Dublin, GA · Cert 10059
FDIC
Q3 2004
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 2002 | Q1 2003 | Q2 2003 | Q3 2003 | Q4 2003 | Q1 2004 | Q2 2004 | Q3 2004 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 3.02% | 2.84% | 2.96% | 2.99% | 2.92% | 2.88% | 2.86% | 3.29% | +30 bps | |
| Return on Equity | 17.78% | 16.25% | 16.76% | 16.86% | 16.47% | 16.53% | 16.52% | 18.72% | +187 bps | |
| Net Interest Margin | 4.42% | 4.22% | 4.23% | 4.25% | 4.20% | 4.08% | 4.03% | 4.09% | -16 bps | |
| Efficiency Ratio | 34.77% | 35.55% | 34.72% | 34.24% | 36.53% | 35.82% | 35.55% | 33.80% | -44 bps | |
| Non-Interest Burden | 1.21% | 1.18% | 1.06% | 1.04% | 1.16% | 1.16% | 1.12% | 1.04% | 0 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 6.75% | 8.47% | 1.92% | 2.12% | 2.45% | 5.77% | 4.01% | 0.56% | -157 bps | |
| Loan Growth (YoY) | 7.94% | 11.01% | 7.52% | 7.31% | 6.43% | 8.19% | 6.82% | 3.90% | -341 bps | |
| Deposit Growth (YoY) | 3.80% | 6.03% | 0.91% | 2.54% | 3.23% | 7.26% | 6.24% | 1.70% | -85 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 | 0.22% | 0.07% | 0.08% | 0.06% | 0.08% | 0.04% | 0.12% | 0.13% | +7 bps | |
| Allowance / Loans | 1.58% | 1.61% | 1.59% | 1.63% | 1.58% | 1.53% | 1.50% | 1.55% | -8 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 | 23.97% | 24.09% | 24.02% | 24.31% | 23.51% | 23.15% | 23.28% | 26.27% | +196 bps | |
| Equity / Assets | 17.44% | 17.50% | 18.07% | 18.03% | 17.59% | 17.25% | 17.17% | 18.37% | +34 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 86.65% | 86.04% | 89.81% | 89.87% | 89.34% | 86.78% | 90.29% | 91.81% | +195 bps | |
| Liquid Assets / Assets | 0.98% | 0.91% | 0.66% | 0.66% | 0.65% | 0.38% | 0.38% | 0.40% | -26 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |