PackageTrendsPeer
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North Atlanta National Bank

Alpharetta, GA · Cert 34661

FDIC

Q3 2007

$135.3MAssets
$113.9MLoans
$118.0MDeposits
$11.1MEquity
Loan mix
61%RE $61.3M38%C&I $38.6M1%Consumer $0.7MQ4 2005Q3 2007
Deposit mix
92%Interest-bearing $108.7M8%Noninterest $9.4MQ4 2005Q3 2007

Executive Summary

  • Earnings: ROA of 0.42%, down 57 bps year over year; NIM at 3.47%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.05%.
  • Funding: loans stand at 96.49% of deposits as of Q3 2007.

Return on Assets (quarter, annualized)

0.42%-57 bps YoY

Net Interest Margin (quarter, annualized)

3.47%-15 bps YoY

Efficiency Ratio (quarter, annualized)

84.16%+2,860 bps YoY

Tier 1 Leverage Ratio

n/a
n/a

NIM

6.41%Q3 ’057.57%Q3 ’067.70%Q3 ’07-3%-4%

Non-interest income vs. expense

2.20%Q3 ’052.08%Q3 ’063.05%Q3 ’07-6%+48%

Discrete quarter, annualized.

MetricQ4 2005Q1 2006Q2 2006Q3 2006Q4 2006Q1 2007Q2 2007Q3 2007YoY ΔTrend
Earnings
Return on Assets1.33%0.87%1.05%0.99%1.03%0.65%1.09%0.42%-57 bps
Return on Equity17.83%11.91%14.70%13.81%13.63%8.58%14.17%5.25%-856 bps
Net Interest Margin3.87%3.64%3.68%3.62%3.54%3.34%3.54%3.47%-15 bps
Efficiency Ratio53.64%57.41%53.54%55.56%60.29%65.85%53.05%84.16%+2,860 bps
Non-Interest Burden1.98%2.03%1.87%1.96%2.09%2.17%1.74%2.90%+94 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 / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.05%-0.02%0.00%0.00%0.06%0.07%0.27%0.05%+5 bps
Allowance / Loans1.11%1.11%1.13%1.15%1.09%1.09%1.07%1.13%-1 bps
Allowance Coverage of NPLsn/an/an/an/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ration/an/an/an/an/an/an/an/an/an/a
Total Risk-Based Capital10.83%10.56%10.46%10.76%10.62%10.56%10.74%11.54%+78 bps
Equity / Assets7.43%7.25%6.99%7.41%7.68%7.58%7.79%8.21%+79 bps
Liquidity & Funding
Loans / Deposits96.87%95.08%92.44%94.06%101.16%96.74%98.41%96.49%+243 bps
Liquid Assets / Assets0.08%0.05%0.04%0.07%0.04%0.05%0.08%0.05%-2 bps
CRE / Total Capitaln/an/an/an/an/an/an/an/an/an/a