Dallas, GA · Cert 57261
FDIC
Q2 2005
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2003 | Q4 2003 | Q1 2004 | Q2 2004 | Q3 2004 | Q4 2004 | Q1 2005 | Q2 2005 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.27% | 2.15% | 0.41% | 0.40% | 0.77% | 0.95% | 1.09% | 1.39% | +99 bps | |
| Return on Equity | 1.64% | 13.80% | 2.98% | 3.42% | 7.31% | 9.96% | 12.00% | 15.06% | +1,164 bps | |
| Net Interest Margin | 3.80% | 3.80% | 4.22% | 4.03% | 4.40% | 4.39% | 4.22% | 4.77% | +73 bps | |
| Efficiency Ratio | 82.92% | 70.82% | 74.31% | 62.14% | 59.54% | 56.08% | 52.96% | 45.95% | -1,619 bps | |
| Non-Interest Burden | 2.99% | 2.49% | 2.99% | 2.40% | 2.53% | 2.36% | 2.02% | 1.98% | -43 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 | 0.03% | -0.01% | 0.00% | 0.02% | 0.00% | 0.00% | 0.00% | 0.00% | -2 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 |