Covington, GA · Cert 9243
FDIC
Q2 2006
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2004 | Q4 2004 | Q1 2005 | Q2 2005 | Q3 2005 | Q4 2005 | Q1 2006 | Q2 2006 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.58% | 1.45% | 1.47% | 1.18% | 1.52% | 1.26% | 1.50% | -0.87% | -205 bps | |
| Return on Equity | 13.68% | 11.60% | 10.92% | 8.75% | 11.43% | 9.34% | 10.68% | -4.38% | -1,313 bps | |
| Net Interest Margin | 3.91% | 3.92% | 3.83% | 4.04% | 3.94% | 4.08% | 3.94% | -2.41% | -645 bps | |
| Efficiency Ratio | 49.34% | 46.92% | 46.37% | 47.82% | 49.65% | 52.68% | 50.09% | 52.44% | +462 bps | |
| Non-Interest Burden | 1.48% | 1.37% | 1.37% | 1.47% | 1.55% | 1.80% | 1.60% | -0.93% | -240 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 17.52% | 17.35% | 13.90% | 10.38% | 9.65% | 1.12% | 0.22% | 9.03% | -134 bps | |
| Loan Growth (YoY) | 17.07% | 17.57% | 15.20% | 10.74% | 8.36% | 6.28% | 3.20% | -1.31% | -1,205 bps | |
| Deposit Growth (YoY) | 13.16% | 17.25% | 14.09% | 7.23% | 8.71% | 1.51% | -0.87% | -1.87% | -910 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 | 0.11% | 0.47% | 0.55% | 0.85% | 0.21% | 0.23% | 0.26% | -0.27% | -112 bps | |
| Allowance / Loans | 1.46% | 1.48% | 1.43% | 1.42% | 1.40% | 1.39% | 1.40% | 1.32% | -10 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 | 10.31% | 13.16% | 12.99% | 13.09% | 12.92% | 13.25% | 13.50% | 11.69% | -141 bps | |
| Equity / Assets | 11.45% | 13.48% | 13.48% | 13.55% | 13.10% | 13.89% | 14.18% | 24.80% | +1,125 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 101.64% | 99.42% | 99.86% | 105.30% | 101.32% | 104.09% | 103.96% | 105.91% | +61 bps | |
| Liquid Assets / Assets | 0.64% | 0.64% | 0.63% | 0.65% | 0.72% | 0.45% | 0.45% | 0.09% | -57 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |