Roberta, GA · Cert 34580
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 | 1.15% | 1.25% | 1.38% | 1.33% | 1.30% | 1.61% | 1.70% | 1.00% | -33 bps | |
| Return on Equity | 10.59% | 11.63% | 12.90% | 12.36% | 12.08% | 15.29% | 15.91% | 8.78% | -358 bps | |
| Net Interest Margin | 4.30% | 4.29% | 4.51% | 4.59% | 4.62% | 4.84% | 4.94% | 4.73% | +14 bps | |
| Efficiency Ratio | 66.98% | 65.29% | 61.43% | 63.34% | 63.55% | 56.65% | 55.17% | 57.59% | -575 bps | |
| Non-Interest Burden | 2.53% | 2.44% | 2.38% | 2.55% | 2.62% | 2.36% | 2.30% | 2.33% | -22 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 7.81% | 9.32% | 12.59% | 8.72% | 9.01% | 11.40% | 8.22% | 2.17% | -655 bps | |
| Loan Growth (YoY) | 2.03% | 5.93% | 7.95% | 11.08% | 9.52% | 13.96% | 5.38% | -3.02% | -1,410 bps | |
| Deposit Growth (YoY) | 4.26% | 2.90% | 6.54% | 6.76% | 5.80% | 9.11% | 4.99% | 2.36% | -440 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 | 0.05% | 0.34% | -0.02% | 0.21% | 0.25% | -0.20% | -0.09% | 0.17% | -4 bps | |
| Allowance / Loans | 1.55% | 1.42% | 1.45% | 1.36% | 1.35% | 1.31% | 1.46% | 1.78% | +42 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 | 14.94% | 14.90% | 15.16% | 15.23% | 15.30% | 14.81% | 16.21% | 16.98% | +176 bps | |
| Equity / Assets | 10.80% | 10.63% | 10.74% | 10.73% | 10.77% | 10.34% | 10.99% | 11.75% | +102 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 86.72% | 89.01% | 87.51% | 90.29% | 89.77% | 92.97% | 87.84% | 85.54% | -474 bps | |
| Liquid Assets / Assets | 0.73% | 0.62% | 0.28% | 0.73% | 0.81% | 0.87% | 0.93% | 0.93% | +21 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |