Social Circle, GA · Cert 5708
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 | 1.34% | 0.88% | 0.87% | 0.62% | 0.57% | 0.45% | 0.26% | -0.54% | -116 bps | |
| Return on Equity | 16.85% | 10.64% | 10.55% | 7.66% | 7.00% | 5.31% | 2.96% | -6.21% | -1,387 bps | |
| Net Interest Margin | 4.55% | 4.64% | 4.40% | 4.44% | 4.38% | 3.65% | 3.66% | 4.15% | -29 bps | |
| Efficiency Ratio | 61.81% | 69.43% | 70.07% | 80.00% | 79.86% | 92.53% | 93.16% | 89.16% | +916 bps | |
| Non-Interest Burden | 2.21% | 2.98% | 2.81% | 3.54% | 3.35% | 3.33% | 3.36% | 3.64% | +10 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 0.78% | 6.17% | 6.08% | 9.55% | 9.74% | 4.38% | 2.58% | -6.15% | -1,570 bps | |
| Loan Growth (YoY) | 9.12% | 21.08% | 24.42% | 6.42% | -5.67% | -11.71% | -10.95% | -6.85% | -1,327 bps | |
| Deposit Growth (YoY) | -0.14% | 2.66% | 1.98% | 6.27% | 6.47% | 5.22% | 3.54% | -4.77% | -1,104 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 | -0.20% | 0.11% | -0.05% | 0.48% | -0.05% | -0.02% | -0.04% | -0.03% | -51 bps | |
| Allowance / Loans | 1.65% | 1.57% | 1.70% | 1.69% | 1.96% | 1.83% | 1.78% | 2.37% | +68 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 | 12.38% | 12.21% | 12.39% | 12.68% | 13.67% | 13.99% | 13.84% | 13.99% | +131 bps | |
| Equity / Assets | 8.20% | 8.28% | 8.26% | 8.02% | 8.39% | 8.64% | 8.62% | 8.76% | +75 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 76.31% | 81.44% | 80.47% | 72.79% | 67.61% | 68.34% | 69.21% | 71.20% | -159 bps | |
| Liquid Assets / Assets | 0.10% | 0.10% | 0.08% | 0.06% | 0.08% | 0.05% | 0.04% | 0.05% | -1 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |