Marietta, GA · Cert 34855
FDIC
Q3 2006
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2006, the quarter ended September 30, 2006, 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.
Marietta, GA · Cert 34855
FDIC
Q3 2006
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 2004 | Q1 2005 | Q2 2005 | Q3 2005 | Q4 2005 | Q1 2006 | Q2 2006 | Q3 2006 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.92% | 1.14% | 1.21% | 1.42% | 1.58% | 1.37% | 1.90% | 2.00% | +57 bps | |
| Return on Equity | 12.70% | 16.19% | 17.30% | 20.30% | 22.05% | 18.28% | 26.00% | 27.35% | +705 bps | |
| Net Interest Margin | 2.95% | 3.86% | 3.91% | 3.78% | 3.33% | 4.14% | 4.05% | 4.01% | +23 bps | |
| Efficiency Ratio | 68.11% | 64.95% | 61.42% | 59.70% | 56.03% | 57.59% | 54.65% | 52.87% | -683 bps | |
| Non-Interest Burden | 1.89% | 2.38% | 2.26% | 1.98% | 1.61% | 2.26% | 2.09% | 2.00% | +1 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 28.06% | 17.26% | 30.57% | 20.13% | 11.11% | 15.17% | 21.69% | 20.37% | +24 bps | |
| Loan Growth (YoY) | 25.17% | 29.97% | 32.59% | 9.32% | 11.51% | 17.98% | 22.25% | 46.37% | +3,705 bps | |
| Deposit Growth (YoY) | 22.13% | 11.79% | 31.06% | 19.87% | 16.55% | 16.73% | 20.33% | 17.85% | -202 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 | 0.12% | 0.00% | 0.00% | -0.14% | -0.10% | 0.00% | 0.23% | 0.24% | +38 bps | |
| Allowance / Loans | 1.35% | 1.35% | 1.40% | 1.86% | 1.96% | 1.84% | 1.51% | 1.39% | -46 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 | 10.26% | 10.07% | 10.13% | 11.35% | 11.57% | 10.43% | 10.25% | 10.28% | -107 bps | |
| Equity / Assets | 7.13% | 6.91% | 7.02% | 6.98% | 7.82% | 7.19% | 6.96% | 7.29% | +32 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 84.97% | 85.43% | 82.01% | 69.12% | 81.29% | 86.34% | 83.32% | 85.85% | +1,673 bps | |
| Liquid Assets / Assets | 3.77% | 3.61% | 3.32% | 2.93% | 3.02% | 2.60% | 2.29% | 1.74% | -119 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |