Marietta, GA · Cert 34855
FDIC
Q3 2006
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q4 2004 | Q1 2005 | Q2 2005 | Q3 2005 | Q4 2005 | Q1 2006 | Q2 2006 | Q3 2006 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.03% | 1.14% | 1.28% | 1.81% | 1.98% | 1.37% | 2.38% | 2.15% | +34 bps | |
| Return on Equity | 14.68% | 16.19% | 18.43% | 25.89% | 26.80% | 18.28% | 33.61% | 30.16% | +427 bps | |
| Net Interest Margin | 3.50% | 3.86% | 4.11% | 3.97% | 3.65% | 4.14% | 4.31% | 4.51% | +54 bps | |
| Efficiency Ratio | 59.63% | 64.95% | 58.25% | 57.08% | 46.24% | 57.59% | 52.07% | 49.89% | -719 bps | |
| Non-Interest Burden | 1.92% | 2.38% | 2.23% | 1.70% | 1.35% | 2.26% | 2.11% | 2.11% | +41 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 | 0.45% | 0.00% | 0.00% | -0.44% | 0.01% | 0.00% | 0.46% | 0.29% | +72 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 |