Dallas, GA · Cert 57261
FDIC
Q2 2005
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2005, the quarter ended June 30, 2005, 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.
Dallas, GA · Cert 57261
FDIC
Q2 2005
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 2003 | Q4 2003 | Q1 2004 | Q2 2004 | Q3 2004 | Q4 2004 | Q1 2005 | Q2 2005 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.01% | 0.62% | 0.41% | 0.41% | 0.55% | 0.67% | 1.09% | 1.24% | +84 bps | |
| Return on Equity | 0.06% | 3.54% | 2.98% | 3.20% | 4.58% | 5.95% | 12.00% | 13.54% | +1,035 bps | |
| Net Interest Margin | 3.54% | 3.36% | 4.22% | 3.72% | 3.72% | 3.65% | 4.22% | 4.55% | +83 bps | |
| Efficiency Ratio | 85.34% | 81.37% | 74.31% | 67.89% | 64.67% | 62.13% | 52.96% | 49.33% | -1,855 bps | |
| Non-Interest Burden | 2.90% | 2.59% | 2.99% | 2.41% | 2.30% | 2.17% | 2.02% | 2.02% | -39 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 83.52% | 56.16% | 47.65% | 60.64% | 66.16% | 82.06% | 48.27% | 31.83% | -2,881 bps | |
| Loan Growth (YoY) | 103.40% | 67.75% | 58.82% | 72.85% | 65.13% | 61.12% | 46.21% | 24.95% | -4,790 bps | |
| Deposit Growth (YoY) | 117.23% | 69.64% | 56.88% | 68.97% | 75.51% | 97.58% | 52.40% | 35.52% | -3,345 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% | 0.01% | 0.00% | 0.01% | 0.01% | 0.00% | 0.00% | 0.00% | -1 bps | |
| Allowance / Loans | 1.28% | 1.35% | 1.31% | 1.35% | 1.36% | 1.45% | 1.52% | 1.61% | +26 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 | 18.30% | 17.95% | 15.22% | 13.06% | 12.07% | 11.61% | 11.46% | 11.79% | -127 bps | |
| Equity / Assets | 15.68% | 15.48% | 12.45% | 11.08% | 10.10% | 9.02% | 9.10% | 9.42% | -166 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 108.59% | 111.90% | 97.87% | 104.22% | 102.17% | 91.25% | 93.90% | 96.09% | -813 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |