Alpharetta, GA · Charter 61430
Q3 2006
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Net Worth / Assets
Year to date, annualized, through each quarter.
| Metric | Q4 2004 | Q1 2005 | Q2 2005 | Q3 2005 | Q4 2005 | Q1 2006 | Q2 2006 | Q3 2006 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.21% | 0.28% | 0.10% | 0.11% | 0.14% | 0.87% | 0.50% | -2.30% | -241 bps | |
| Return on Equity | 2.19% | 2.74% | 0.91% | 1.05% | 1.25% | 7.92% | 4.47% | -24.99% | -2,604 bps | |
| Net Interest Margin | 3.87% | 4.10% | 3.96% | 3.80% | 3.75% | 3.43% | 3.49% | 3.62% | -17 bps | |
| Efficiency Ratio | 61.55% | 60.43% | 66.30% | 70.65% | 74.96% | 69.22% | 74.28% | 147.45% | +7,679 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -7.47% | -11.45% | -13.19% | -11.79% | -7.84% | -4.60% | -2.72% | -3.71% | +808 bps | |
| Loan Growth (YoY) | 1.00% | -5.23% | -10.55% | -15.75% | -14.74% | -9.56% | -2.21% | -4.20% | +1,156 bps | |
| Share Growth (YoY) | -8.29% | -12.61% | -14.36% | -13.26% | -8.88% | -5.45% | -3.46% | -3.97% | +928 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 4.36% | 3.62% | 2.43% | 1.58% | 4.02% | 4.40% | 4.17% | 2.57% | +99 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.59% | 1.35% | 2.10% | 1.83% | 1.81% | 1.59% | 1.77% | 0.48% | -135 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 9.80% | 10.24% | 10.47% | 10.48% | 10.78% | 11.01% | 11.09% | 9.21% | -127 bps | |
| Net Worth / Assets | 9.80% | 10.24% | 10.47% | 10.48% | 10.78% | 11.01% | 11.09% | 9.21% | -127 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 79.79% | 78.14% | 74.83% | 72.85% | 74.65% | 74.74% | 75.80% | 72.68% | -17 bps | |
| Liquid Assets / Assets | 15.90% | 18.16% | 21.73% | 32.80% | 26.04% | 24.70% | 0.00% | 0.00% | -3,280 bps | |