Quitman, GA · Cert 9066
FDIC
Q4 2005
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q1 2004 | Q2 2004 | Q3 2004 | Q4 2004 | Q1 2005 | Q2 2005 | Q3 2005 | Q4 2005 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.68% | 1.47% | 1.79% | 1.75% | 1.26% | 1.57% | 1.24% | 1.92% | +17 bps | |
| Return on Equity | 21.99% | 19.72% | 23.14% | 21.70% | 16.10% | 20.92% | 16.57% | 25.76% | +406 bps | |
| Net Interest Margin | 4.50% | 4.44% | 4.19% | 4.30% | 4.11% | 4.74% | 4.59% | 4.84% | +53 bps | |
| Efficiency Ratio | 50.99% | 50.48% | 51.39% | 49.68% | 55.83% | 56.39% | 58.64% | 45.39% | -429 bps | |
| Non-Interest Burden | 1.76% | 1.73% | 1.64% | 1.65% | 1.89% | 2.27% | 2.33% | 1.76% | +11 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 9.26% | 13.47% | 10.75% | 7.14% | 4.48% | 8.62% | 11.91% | 16.69% | +955 bps | |
| Loan Growth (YoY) | 11.16% | 15.30% | 9.43% | 7.15% | 5.02% | 7.49% | 12.75% | 14.53% | +738 bps | |
| Deposit Growth (YoY) | 4.93% | -2.60% | 12.46% | 2.25% | 6.66% | 23.03% | 19.65% | 19.76% | +1,752 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% | 0.49% | 0.11% | 0.10% | 0.02% | 0.04% | 0.09% | -2 bps | |
| Allowance / Loans | 1.44% | 1.52% | 1.38% | 1.31% | 1.34% | 1.28% | 1.34% | 1.29% | -1 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 | 10.51% | 10.56% | 11.33% | 11.99% | 11.07% | 10.99% | 11.06% | 11.35% | -63 bps | |
| Equity / Assets | 7.49% | 7.44% | 8.01% | 8.13% | 7.55% | 7.47% | 7.53% | 7.38% | -75 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 102.46% | 111.82% | 106.22% | 95.64% | 100.88% | 97.70% | 100.09% | 91.46% | -418 bps | |
| Liquid Assets / Assets | 0.13% | 0.13% | 0.15% | 0.12% | 0.40% | 0.50% | 0.49% | 1.22% | +110 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |