Lawrenceville, GA · Cert 34389
FDIC
Q4 2006
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q1 2005 | Q2 2005 | Q3 2005 | Q4 2005 | Q1 2006 | Q2 2006 | Q3 2006 | Q4 2006 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.57% | 1.90% | 1.95% | 1.81% | 1.60% | 2.11% | 2.13% | -1.20% | -301 bps | |
| Return on Equity | 19.09% | 23.11% | 23.23% | 21.54% | 19.59% | 25.48% | 23.60% | -7.44% | -2,898 bps | |
| Net Interest Margin | 4.47% | 4.70% | 4.46% | 4.71% | 4.72% | 4.86% | 4.80% | 4.37% | -34 bps | |
| Efficiency Ratio | 47.38% | 45.65% | 41.15% | 40.86% | 42.18% | 39.11% | 40.41% | 138.36% | +9,750 bps | |
| Non-Interest Burden | 1.66% | 1.51% | 1.33% | 1.58% | 1.73% | 1.46% | 1.43% | 6.20% | +462 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 24.20% | 23.43% | 18.97% | 21.08% | 25.54% | 18.22% | 10.36% | 22.46% | +138 bps | |
| Loan Growth (YoY) | 25.80% | 25.44% | 24.05% | 26.36% | 24.73% | 16.83% | 13.18% | 7.01% | -1,935 bps | |
| Deposit Growth (YoY) | 24.19% | 22.03% | 17.24% | 21.09% | 25.06% | 18.16% | 8.93% | -1.40% | -2,248 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | 1.28% | 0.00% | 0.03% | 0.00% | 0.07% | -0.01% | 0.01% | 0.00% | 0 bps | |
| Allowance / Loans | 1.11% | 1.11% | 1.09% | 1.16% | 1.16% | 1.20% | 1.20% | 1.25% | +9 bps | |
| Allowance Coverage of NPLs | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Total Risk-Based Capital | 10.24% | 10.48% | 10.46% | 10.64% | 10.48% | 11.11% | 11.70% | 11.11% | +47 bps | |
| Equity / Assets | 8.10% | 8.33% | 8.46% | 8.38% | 7.97% | 8.59% | 9.47% | 21.70% | +1,331 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 93.83% | 94.84% | 94.96% | 93.14% | 93.58% | 93.77% | 98.67% | 101.08% | +794 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |