Warrenton, GA · Cert 17258
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 | 0.16% | 0.36% | 0.41% | 0.22% | 0.30% | 0.53% | 0.59% | 0.56% | +34 bps | |
| Return on Equity | 1.49% | 2.37% | 2.63% | 1.43% | 1.93% | 3.35% | 3.82% | 3.61% | +218 bps | |
| Net Interest Margin | 0.78% | 2.96% | 3.02% | 3.17% | 3.26% | 3.12% | 3.09% | 3.10% | -7 bps | |
| Efficiency Ratio | 67.78% | 76.60% | 74.50% | 70.18% | 67.21% | 65.58% | 63.10% | 63.86% | -633 bps | |
| Non-Interest Burden | 0.55% | 2.42% | 2.39% | 2.74% | 2.65% | 2.40% | 2.28% | 2.31% | -43 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 7.00% | 10.63% | 9.39% | 8.70% | -0.54% | -0.91% | 4.13% | 0.73% | -797 bps | |
| Loan Growth (YoY) | -4.60% | -7.18% | -15.55% | 7.29% | 23.64% | 26.47% | 32.32% | 6.02% | -127 bps | |
| Deposit Growth (YoY) | 0.66% | 3.74% | 2.07% | -0.27% | -2.22% | -2.50% | 4.48% | 0.74% | +101 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 | 0.17% | 0.28% | 0.21% | 0.40% | 0.31% | -0.09% | 0.53% | 0.45% | +5 bps | |
| Allowance / Loans | 2.94% | 3.07% | 3.22% | 2.53% | 2.36% | 2.48% | 2.22% | 2.15% | -37 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 | 20.60% | 21.58% | 21.90% | 17.34% | 16.59% | 17.45% | 17.31% | 18.72% | +138 bps | |
| Equity / Assets | 15.38% | 15.28% | 15.73% | 15.58% | 15.65% | 15.68% | 14.89% | 15.62% | +5 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 45.79% | 42.45% | 41.12% | 51.49% | 57.90% | 55.07% | 52.08% | 54.19% | +270 bps | |
| Liquid Assets / Assets | 27.78% | 20.57% | 14.68% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |