PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Wachovia Bank of Georgia NA

Atlanta, GA · Cert 2115

FDIC

Q1 1997

$19.6BAssets
$14.7BLoans
$9.6BDeposits
n/aEquity

Executive Summary

  • Earnings: ROA of 1.35%, up 37 bps year over year.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY).
  • Funding: loans stand at 153.82% of deposits as of Q1 1997.

Return on Assets (YTD, annualized)

1.35%+37 bps YoY

Net Interest Margin (YTD, annualized)

n/a
n/a

Efficiency Ratio (YTD, annualized)

n/a
n/a

Tier 1 Leverage Ratio

n/a
n/a

Year to date, annualized, through each quarter.

MetricQ2 1995Q3 1995Q4 1995Q1 1996Q2 1996Q3 1996Q4 1996Q1 1997YoY ΔTrend
Earnings
Return on Assets1.32%1.34%1.28%0.97%1.04%1.03%1.06%1.35%+37 bps
Return on Equityn/an/an/an/an/an/an/an/an/an/a
Net Interest Marginn/an/an/an/an/an/an/an/an/an/a
Efficiency Ration/an/an/an/an/an/an/an/an/an/a
Non-Interest Burdenn/an/an/an/an/an/an/an/an/an/a
Growth
Asset Growth (YoY)33.92%22.58%19.21%15.45%7.06%10.39%9.07%11.82%-363 bps
Loan Growth (YoY)29.31%26.10%13.51%9.00%6.32%9.30%10.05%17.22%+822 bps
Deposit Growth (YoY)15.42%24.07%27.60%17.93%4.87%2.23%0.57%6.98%-1,096 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance Coverage of NPLsn/an/an/an/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ration/an/an/an/an/an/an/an/an/an/a
Total Risk-Based Capitaln/an/an/an/an/an/an/an/an/an/a
Equity / Assetsn/an/an/an/an/an/an/an/an/an/a
Liquidity & Funding
Loans / Deposits152.17%143.90%129.70%140.38%154.27%153.85%141.91%153.82%+1,344 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
CRE / Total Capitaln/an/an/an/an/an/an/an/an/an/a