Atlanta, GA · Cert 16303
FDIC
Q1 2004
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q2 2002 | Q3 2002 | Q4 2002 | Q1 2003 | Q2 2003 | Q3 2003 | Q4 2003 | Q1 2004 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.01% | -0.14% | 0.33% | -0.07% | 0.06% | -3.36% | -2.05% | -0.05% | +2 bps | |
| Return on Equity | 0.03% | -0.65% | 1.46% | -0.28% | 0.29% | -17.21% | -8.19% | -0.16% | +12 bps | |
| Net Interest Margin | 1.84% | 1.96% | 2.15% | 1.68% | 1.58% | 1.62% | 1.78% | 1.71% | +2 bps | |
| Efficiency Ratio | 99.66% | 107.50% | 89.64% | 100.30% | 93.17% | 246% | 169.65% | 100.07% | -22 bps | |
| Non-Interest Burden | 1.82% | 2.30% | 1.66% | 1.70% | 1.34% | 7.54% | 4.28% | 1.71% | +2 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -9.03% | -6.08% | -11.05% | -9.76% | 12.11% | 4.19% | -35.09% | -82.18% | -7,242 bps | |
| Loan Growth (YoY) | 18.14% | 21.65% | 31.78% | 15.17% | 29.88% | 15.19% | -37.66% | -84.32% | -9,949 bps | |
| Deposit Growth (YoY) | -10.07% | -6.54% | -13.46% | -11.74% | 16.38% | 4.71% | -83.61% | -85.03% | -7,329 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 | -0.02% | -0.01% | 0.02% | 0.00% | -0.01% | -0.01% | 0.01% | 0.00% | 0 bps | |
| Allowance / Loans | 0.31% | 0.28% | 0.28% | 0.28% | 0.23% | 0.00% | 0.00% | 0.00% | -28 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 | 34.70% | 35.99% | 37.18% | 36.29% | 33.95% | 34.11% | 42.87% | 86.89% | +5,059 bps | |
| Equity / Assets | 21.53% | 21.55% | 23.53% | 23.22% | 19.20% | 19.88% | 34.00% | 20.93% | -229 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 109.52% | 115.49% | 129.51% | 125.08% | 122.22% | 127.05% | 492% | 131.00% | +591 bps | |
| Liquid Assets / Assets | 0.24% | 0.24% | 0.23% | 0.23% | 0.17% | 0.00% | 0.00% | 0.00% | -23 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |