Blue Ridge, GA · Cert 26733
FDIC
Q3 2002
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q4 2000 | Q1 2001 | Q2 2001 | Q3 2001 | Q4 2001 | Q1 2002 | Q2 2002 | Q3 2002 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.97% | 1.22% | 1.25% | 1.33% | 1.32% | 1.35% | 1.40% | 1.36% | +3 bps | |
| Return on Equity | n/a | n/a | 14.87% | 15.63% | 15.74% | 17.20% | 18.06% | 16.80% | +117 bps | |
| Net Interest Margin | n/a | 4.12% | 4.34% | 3.87% | 5.04% | 4.21% | 4.19% | 4.08% | +21 bps | |
| Efficiency Ratio | n/a | 59.90% | 57.55% | 63.79% | 53.68% | 52.75% | 52.37% | 51.33% | -1,246 bps | |
| Non-Interest Burden | n/a | 2.22% | 2.23% | 2.31% | 2.50% | 1.94% | 1.92% | 1.81% | -51 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 2.73% | -0.35% | 0.09% | 2.87% | 8.92% | 14.03% | 18.92% | 21.86% | +1,899 bps | |
| Loan Growth (YoY) | 10.31% | 5.52% | 7.32% | 10.02% | 13.02% | 23.00% | 27.52% | 27.79% | +1,777 bps | |
| Deposit Growth (YoY) | 6.28% | 1.07% | -2.52% | 1.85% | 0.82% | 10.60% | 13.08% | 16.63% | +1,478 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 | n/a | 0.03% | 0.09% | 0.12% | 0.25% | 0.02% | 0.10% | 0.17% | +5 bps | |
| Allowance / Loans | n/a | 1.40% | 1.41% | 1.38% | 1.26% | 1.20% | 1.16% | 1.15% | -23 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 | n/a | 11.60% | 11.60% | 12.08% | 11.80% | 10.62% | 11.17% | 11.52% | -56 bps | |
| Equity / Assets | n/a | 8.33% | 8.55% | 8.52% | 8.22% | 7.47% | 8.01% | 8.18% | -34 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 89.31% | 94.29% | 96.18% | 100.08% | 100.12% | 104.86% | 108.46% | 109.66% | +958 bps | |
| Liquid Assets / Assets | 0.00% | 1.11% | 1.53% | 0.80% | 0.10% | 0.13% | 0.98% | 1.08% | +28 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |