Lawrenceville, GA · Cert 34963
FDIC
Q4 2005
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q1 2004 | Q2 2004 | Q3 2004 | Q4 2004 | Q1 2005 | Q2 2005 | Q3 2005 | Q4 2005 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.06% | 2.01% | 2.42% | 4.25% | 1.61% | 2.53% | 2.88% | 4.54% | +29 bps | |
| Return on Equity | 3.07% | 5.91% | 6.86% | 15.10% | 6.50% | 8.05% | 7.89% | 15.72% | +62 bps | |
| Net Interest Margin | 0.78% | 0.40% | 0.82% | 0.72% | 1.11% | 1.47% | 1.58% | 1.52% | +80 bps | |
| Efficiency Ratio | 73.11% | 57.14% | 49.66% | 22.86% | 51.63% | 46.86% | 45.29% | 22.98% | +13 bps | |
| Non-Interest Burden | -2.00% | -4.68% | -5.14% | -9.94% | -4.38% | -5.37% | -4.80% | -8.86% | +108 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -45.73% | -26.08% | 10.55% | 60.49% | 40.27% | -1.59% | 14.91% | 2.67% | -5,781 bps | |
| Loan Growth (YoY) | -61.02% | -41.53% | 2.55% | 225% | 27.27% | -32.03% | -1.66% | -13.29% | -23,833 bps | |
| Deposit Growth (YoY) | -53.85% | -30.00% | 20.00% | 37.50% | 66.67% | 0.00% | 16.67% | 9.09% | -2,841 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 | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Allowance / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 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 | 79.48% | 70.90% | 92.47% | 44.88% | 66.61% | 90.66% | 94.40% | 52.11% | +723 bps | |
| Equity / Assets | 35.84% | 32.43% | 38.69% | 22.27% | 27.84% | 36.09% | 36.98% | 23.86% | +159 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 57.57% | 59.94% | 44.20% | 74.82% | 43.96% | 40.74% | 37.26% | 59.47% | -1,535 bps | |
| Liquid Assets / Assets | 73.55% | 73.26% | 79.09% | 66.50% | 76.90% | 5.27% | 81.95% | 71.42% | +492 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |