Toccoa, GA · Cert 11296
FDIC
Q1 2003
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q2 2001 | Q3 2001 | Q4 2001 | Q1 2002 | Q2 2002 | Q3 2002 | Q4 2002 | Q1 2003 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.72% | 1.52% | 1.71% | 1.53% | 1.53% | 1.53% | 1.51% | 1.23% | -30 bps | |
| Return on Equity | 13.16% | 11.58% | 12.86% | 11.09% | 10.79% | 10.84% | 10.97% | 8.49% | -260 bps | |
| Net Interest Margin | 4.39% | 4.06% | 4.06% | 4.22% | 4.29% | 4.36% | 3.92% | 3.89% | -33 bps | |
| Efficiency Ratio | 42.29% | 47.04% | 46.66% | 46.17% | 45.60% | 47.36% | 48.86% | 54.25% | +807 bps | |
| Non-Interest Burden | 1.50% | 1.64% | 1.61% | 1.63% | 1.66% | 1.76% | 1.66% | 1.86% | +23 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 3.09% | 5.01% | -0.31% | -1.06% | -1.08% | 1.53% | 6.58% | -3.76% | -269 bps | |
| Loan Growth (YoY) | 6.04% | 4.52% | 0.56% | 1.99% | 4.03% | 3.63% | 2.83% | -1.71% | -370 bps | |
| Deposit Growth (YoY) | 2.60% | 4.71% | -1.13% | -4.38% | -4.51% | -3.96% | 1.87% | -2.84% | +153 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 | 0.05% | -0.49% | 0.89% | 0.35% | 0.14% | -0.01% | -0.04% | 0.10% | -25 bps | |
| Allowance / Loans | 2.14% | 2.24% | 2.00% | 1.94% | 1.94% | 1.99% | 2.03% | 2.12% | +18 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 | 22.49% | 22.61% | 23.49% | 23.71% | 23.75% | 23.69% | 23.60% | 25.30% | +159 bps | |
| Equity / Assets | 13.25% | 13.01% | 13.62% | 14.00% | 14.44% | 13.86% | 13.62% | 15.41% | +141 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 85.40% | 83.40% | 85.91% | 89.97% | 93.04% | 90.00% | 86.71% | 91.02% | +105 bps | |
| Liquid Assets / Assets | 11.37% | 12.64% | 11.11% | 7.96% | 7.24% | 6.00% | 3.27% | 3.62% | -434 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |