Cumming, GA · Cert 57680
FDIC
Q3 2007
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2007, the quarter ended September 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.
Cumming, GA · Cert 57680
FDIC
Q3 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 | Q4 2005 | Q1 2006 | Q2 2006 | Q3 2006 | Q4 2006 | Q1 2007 | Q2 2007 | Q3 2007 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.78% | 1.13% | 1.13% | 1.27% | 1.28% | 1.18% | 1.01% | 0.99% | -27 bps | |
| Return on Equity | 6.82% | 11.26% | 11.80% | 13.45% | 14.08% | 14.98% | 13.10% | 13.12% | -33 bps | |
| Net Interest Margin | 3.36% | 4.28% | 4.16% | 4.15% | 3.87% | 3.90% | 3.79% | 3.62% | -53 bps | |
| Efficiency Ratio | 69.31% | 53.66% | 52.20% | 50.13% | 47.67% | 49.61% | 47.62% | 48.88% | -125 bps | |
| Non-Interest Burden | 2.25% | 2.18% | 2.06% | 1.98% | 1.75% | 1.86% | 1.73% | 1.70% | -28 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 93.65% | 61.61% | 55.09% | 48.28% | 49.45% | 46.94% | 38.71% | 41.36% | -692 bps | |
| Loan Growth (YoY) | 103.71% | 80.15% | 77.75% | 56.78% | 52.48% | 47.71% | 36.75% | 31.54% | -2,524 bps | |
| Deposit Growth (YoY) | 100.60% | 62.36% | 61.03% | 52.37% | 48.78% | 45.88% | 40.88% | 43.93% | -844 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% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Allowance / Loans | 1.29% | 1.28% | 1.25% | 1.25% | 1.25% | 1.25% | 1.40% | 1.52% | +27 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 | 12.65% | 13.09% | 11.78% | 11.67% | 10.51% | 10.42% | 10.04% | 10.27% | -141 bps | |
| Equity / Assets | 10.35% | 9.77% | 8.84% | 8.98% | 7.98% | 7.76% | 7.36% | 7.29% | -169 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 94.22% | 94.13% | 94.82% | 95.73% | 96.57% | 95.31% | 92.04% | 87.49% | -824 bps | |
| Liquid Assets / Assets | 0.05% | 0.04% | 0.00% | 0.00% | 0.00% | 1.49% | 1.41% | 2.12% | +212 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |