Lawrenceville, GA · Cert 35390
FDIC
Q2 2007
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2005 | Q4 2005 | Q1 2006 | Q2 2006 | Q3 2006 | Q4 2006 | Q1 2007 | Q2 2007 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.85% | 1.83% | 1.99% | 1.94% | 2.00% | 1.82% | 1.85% | -1.14% | -308 bps | |
| Return on Equity | 20.09% | 20.50% | 20.12% | 17.63% | 17.36% | 15.76% | 17.03% | -5.98% | -2,361 bps | |
| Net Interest Margin | 4.65% | 4.92% | 4.99% | 4.90% | 4.89% | 4.54% | 4.34% | -2.38% | -729 bps | |
| Efficiency Ratio | 36.16% | 35.86% | 35.51% | 34.51% | 33.11% | 32.94% | 30.36% | 38.02% | +351 bps | |
| Non-Interest Burden | 1.55% | 1.65% | 1.66% | 1.61% | 1.54% | 1.43% | 1.15% | -0.51% | -213 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 | 0.00% | 0.01% | 0.00% | 0.01% | 0.00% | 0.15% | 0.31% | -0.30% | -31 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 |