Alpharetta, GA · Cert 34661
FDIC
Q3 2007
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2007, the quarter ended September 30, 2007, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
No peer standings are published for this institution and quarter.
Peer groups below the disclosure floor are suppressed.
Alpharetta, GA · Cert 34661
FDIC
Q3 2007
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q4 2005 | Q1 2006 | Q2 2006 | Q3 2006 | Q4 2006 | Q1 2007 | Q2 2007 | Q3 2007 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.91% | 0.87% | 0.96% | 0.98% | 0.99% | 0.65% | 0.88% | 0.73% | -25 bps | |
| Return on Equity | 11.96% | 11.91% | 13.32% | 13.47% | 13.51% | 8.58% | 11.41% | 9.31% | -417 bps | |
| Net Interest Margin | 3.50% | 3.64% | 3.54% | 3.52% | 3.54% | 3.34% | 3.38% | 3.42% | -10 bps | |
| Efficiency Ratio | 61.56% | 57.41% | 55.38% | 55.44% | 56.64% | 65.85% | 58.95% | 67.41% | +1,197 bps | |
| Non-Interest Burden | 2.06% | 2.03% | 1.89% | 1.89% | 1.94% | 2.17% | 1.92% | 2.25% | +37 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 20.68% | 17.93% | 19.86% | 16.60% | 11.91% | 10.52% | 2.59% | 1.50% | -1,509 bps | |
| Loan Growth (YoY) | 16.08% | 13.74% | 13.52% | 14.48% | 14.37% | 11.53% | 9.19% | 3.11% | -1,137 bps | |
| Deposit Growth (YoY) | 24.50% | 18.61% | 16.22% | 18.33% | 9.52% | 9.62% | 2.57% | 0.51% | -1,782 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 | 0.07% | -0.02% | -0.01% | 0.00% | 0.01% | 0.07% | 0.17% | 0.13% | +14 bps | |
| Allowance / Loans | 1.11% | 1.11% | 1.13% | 1.15% | 1.09% | 1.09% | 1.07% | 1.13% | -1 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 | 10.83% | 10.56% | 10.46% | 10.76% | 10.62% | 10.56% | 10.74% | 11.54% | +78 bps | |
| Equity / Assets | 7.43% | 7.25% | 6.99% | 7.41% | 7.68% | 7.58% | 7.79% | 8.21% | +79 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 96.87% | 95.08% | 92.44% | 94.06% | 101.16% | 96.74% | 98.41% | 96.49% | +243 bps | |
| Liquid Assets / Assets | 0.08% | 0.05% | 0.04% | 0.07% | 0.04% | 0.05% | 0.08% | 0.05% | -2 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |