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Monogram Credit Card Bank

Atlanta, GA · Cert 27276

FDIC

Q4 2004

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, not published for this institution and quartern/a

Basis

Quarter: Q4 2004, the quarter ended December 31, 2004, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

No peer standings are published for this institution and quarter.

Peer groups below the disclosure floor are suppressed.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Monogram Credit Card Bank

Atlanta, GA · Cert 27276

FDIC

Q4 2004

$4.8BAssets
$3.8BLoans
$744.2MDeposits
$1.0BEquity
Deposit mix
95%Interest-bearing $707.9M5%Noninterest $36.3MQ4 2003Q4 2004

NIM

10.23%Q4 ’0216.94%Q4 ’0313.74%Q4 ’04+80%-18%

Non-interest income vs. expense

8.96%Q4 ’029.32%Q4 ’0315.42%Q4 ’04-288%-11%

Executive Summary

  • Earnings: ROA of 13.60%, down 390 bps year over year; NIM at 13.31%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 6.88%.
  • Funding: loans stand at 509.79% of deposits as of Q4 2004.

Financial Results

Return on Assets (YTD, annualized)

13.60%-390 bps YoY

Net Interest Margin (YTD, annualized)

13.31%-288 bps YoY

Efficiency Ratio (YTD, annualized)

34.30%+1,126 bps YoY

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

MetricQ4 2003Q1 2004Q2 2004Q3 2004Q4 2004YoY ΔTrend
Earnings
Return on Assets17.50%14.46%16.25%14.95%13.60%-390 bps
Return on Equity95.19%51.47%62.25%59.38%55.65%-3,953 bps
Net Interest Margin16.19%20.55%18.59%17.98%13.31%-288 bps
Efficiency Ratio23.04%32.17%30.04%33.25%34.30%+1,126 bps
Non-Interest Burden-13.11%-13.98%-13.66%-15.11%-14.59%-148 bps
Growth
Asset Growth (YoY)83.84%23.52%-61.20%-5.39%-4.94%-8,879 bps
Loan Growth (YoY)131.73%65.77%-66.96%-25.24%5.20%-12,653 bps
Deposit Growth (YoY)351%2.35%-3.18%21.04%-75.96%-42,673 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans5.57%9.14%8.65%7.73%6.88%+131 bps
Allowance / Loans3.89%3.87%3.68%3.55%3.80%-9 bps
Allowance Coverage of NPLsn/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ration/an/an/an/an/an/an/a
Total Risk-Based Capital15.55%45.47%22.57%25.07%24.66%+911 bps
Equity / Assets15.79%45.35%21.50%22.42%21.91%+612 bps
Liquidity & Funding
Loans / Deposits116.49%594%456%462%510%+39,330 bps
Liquid Assets / Assets0.00%0.01%0.01%0.00%0.00%0 bps
CRE / Total Capitaln/an/an/an/an/an/an/a