Alpharetta, GA · Cert 25847
FDIC
Q1 2003
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2003, the quarter ended March 31, 2003, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
No peer standings are published for this institution and quarter.
Peer groups below the disclosure floor are suppressed.
Alpharetta, GA · Cert 25847
FDIC
Q1 2003
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 | Q2 2001 | Q3 2001 | Q4 2001 | Q1 2002 | Q2 2002 | Q3 2002 | Q4 2002 | Q1 2003 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.51% | 1.53% | 1.63% | 1.74% | 1.65% | 1.72% | 1.30% | 1.52% | -23 bps | |
| Return on Equity | n/a | n/a | n/a | 21.33% | 20.22% | 21.05% | 15.91% | 18.16% | -317 bps | |
| Net Interest Margin | 4.17% | 4.14% | 4.04% | 4.15% | 4.16% | 3.80% | 3.67% | 3.81% | -34 bps | |
| Efficiency Ratio | 45.22% | 44.83% | 44.33% | 42.84% | 42.82% | 42.23% | 55.98% | 38.57% | -427 bps | |
| Non-Interest Burden | 1.53% | 1.52% | 1.33% | 1.36% | 1.36% | 1.18% | 1.74% | 1.03% | -33 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 18.89% | 19.13% | 21.13% | 14.91% | 22.15% | 25.46% | 20.50% | 17.99% | +308 bps | |
| Loan Growth (YoY) | 25.87% | 27.74% | 21.40% | 16.87% | 16.67% | 18.63% | 18.59% | 20.09% | +322 bps | |
| Deposit Growth (YoY) | 18.13% | 18.17% | 17.90% | 7.12% | 14.83% | 20.62% | 21.79% | 18.94% | +1,182 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 | 0.01% | 0.02% | 0.04% | -0.01% | 0.06% | -0.02% | 0.02% | 0.00% | +1 bps | |
| Allowance / Loans | 1.27% | 1.24% | 1.26% | 1.24% | 1.24% | 1.21% | 1.19% | 1.26% | +2 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 | 10.24% | 10.28% | 10.60% | 10.88% | 10.77% | 10.51% | 10.52% | 10.80% | -8 bps | |
| Equity / Assets | 7.97% | 8.11% | 8.00% | 8.36% | 8.18% | 8.10% | 8.10% | 8.61% | +24 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 96.13% | 100.38% | 99.86% | 101.57% | 97.67% | 98.72% | 97.24% | 102.55% | +97 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 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 |