Lawrenceville, GA · Cert 35390
FDIC
Q2 2007
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2007, the quarter ended June 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.
Lawrenceville, GA · Cert 35390
FDIC
Q2 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 | Q3 2005 | Q4 2005 | Q1 2006 | Q2 2006 | Q3 2006 | Q4 2006 | Q1 2007 | Q2 2007 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.81% | 1.82% | 1.99% | 2.01% | 2.02% | 1.96% | 1.85% | 0.28% | -173 bps | |
| Return on Equity | 19.35% | 19.77% | 20.12% | 19.34% | 18.78% | 18.00% | 17.03% | 1.68% | -1,766 bps | |
| Net Interest Margin | 4.37% | 4.41% | 4.99% | 4.76% | 4.78% | 4.50% | 4.34% | 0.62% | -414 bps | |
| Efficiency Ratio | 36.22% | 36.12% | 35.51% | 35.00% | 34.35% | 34.00% | 30.36% | 35.31% | +31 bps | |
| Non-Interest Burden | 1.43% | 1.45% | 1.66% | 1.57% | 1.55% | 1.45% | 1.15% | 0.22% | -135 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 21.95% | 18.75% | 48.49% | 41.27% | 34.56% | 43.38% | 9.80% | 30.74% | -1,053 bps | |
| Loan Growth (YoY) | 18.32% | 19.42% | 42.15% | 40.81% | 36.72% | 32.38% | 4.27% | 8.01% | -3,280 bps | |
| Deposit Growth (YoY) | 19.77% | 22.47% | 46.85% | 39.01% | 31.27% | 38.01% | 10.31% | 7.35% | -3,165 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 | -0.01% | 0.00% | 0.00% | 0.00% | 0.00% | 0.04% | 0.31% | 0.00% | -1 bps | |
| Allowance / Loans | 1.46% | 1.41% | 1.40% | 1.43% | 1.40% | 1.35% | 1.34% | 1.30% | -13 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 | 11.34% | 10.59% | 11.52% | 12.00% | 12.10% | 12.10% | 11.30% | 10.43% | -157 bps | |
| Equity / Assets | 9.19% | 8.69% | 10.78% | 11.23% | 11.79% | 11.37% | 10.40% | 26.24% | +1,501 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 93.57% | 95.51% | 93.29% | 93.15% | 97.45% | 91.61% | 88.18% | 93.71% | +57 bps | |
| Liquid Assets / Assets | 0.39% | 0.38% | 0.29% | 0.29% | 0.29% | 0.27% | 0.26% | 0.01% | -28 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |