Lawrenceville, GA · Cert 27124
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 | Q3 2001 | Q4 2001 | Q1 2002 | Q2 2002 | Q3 2002 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -0.25% | -1.00% | 0.14% | 0.51% | 0.39%1 | +64 bps | |
| Return on Equity | -2.70% | -11.70% | 1.70% | 6.25% | 4.67% | +737 bps | |
| Net Interest Margin | 3.78% | 3.79% | 3.86% | 4.14% | 3.92% | +14 bps | |
| Efficiency Ratio | 106.50% | 136.23% | 96.37% | 88.62% | 106.66% | +15 bps | |
| Non-Interest Burden | 4.04% | 4.84% | 3.71% | 3.62% | 4.21% | +17 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 6.11% | 10.96% | 7.45% | 13.22% | 15.99% | +988 bps | |
| Loan Growth (YoY) | 9.05% | 33.18% | 19.32% | 27.83% | 30.95% | +2,190 bps | |
| Deposit Growth (YoY) | 7.11% | 12.91% | 8.36% | 16.03% | 18.07% | +1,096 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | 0.01% | -0.02% | -0.01% | -0.01% | 0.03% | +2 bps | |
| Allowance / Loans | 2.90% | 2.62% | 2.56% | 2.38% | 2.22% | -68 bps | |
| 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 | 13.50% | 11.46% | 10.93% | 10.73% | 10.64% | -286 bps | |
| Equity / Assets | 9.12% | 8.06% | 8.16% | 8.22% | 8.32% | -80 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 63.12% | 63.62% | 65.95% | 69.79% | 70.01% | +689 bps | |
| Liquid Assets / Assets | 18.53% | 18.86% | 19.13% | 15.11% | 0.00% | -1,853 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a |