Dexter, GA · Cert 19688
FDIC
Q3 2001
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2000 | Q4 2000 | Q1 2001 | Q2 2001 | Q3 2001 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.52% | 0.51% | 19.61% | -4.73% | -6.84% | -736 bps | |
| Return on Equity | n/a | n/a | n/a | -5.79% | -8.62% | n/a | |
| Net Interest Margin | n/a | n/a | 3.80% | 1.44% | 0.00% | n/a | |
| Efficiency Ratio | n/a | n/a | 15.35% | 1300% | 22.33% | n/a | |
| Non-Interest Burden | n/a | n/a | -26.83% | 9.32% | 10.91% | n/a | |
| Growth | |||||||
| Asset Growth (YoY) | -3.77% | -4.68% | -87.10% | -90.92% | -91.47% | -8,770 bps | |
| Loan Growth (YoY) | 18.64% | 6.01% | -100.00% | -100.00% | -100.00% | -11,864 bps | |
| Deposit Growth (YoY) | -1.08% | -1.87% | -100.00% | -100.00% | -100.00% | -9,892 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | n/a | n/a | n/a | n/a | |
| Net Charge-Offs / Loans | n/a | n/a | 1.05% | n/a | n/a | n/a | n/a |
| Allowance / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance Coverage of NPLs | 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 |
| Total Risk-Based Capital | n/a | n/a | 332% | 1386% | 3379% | n/a | |
| Equity / Assets | n/a | n/a | 84.09% | 78.37% | 80.25% | n/a | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 79.42% | 72.51% | n/a | n/a | n/a | n/a | |
| Liquid Assets / Assets | 0.00% | 0.00% | 36.07% | 0.00% | 0.00% | 0 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a |