Atlanta, GA · Cert 27276
FDIC
Q4 2004
Board Package
Performance Trends and Peer Comparison
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.
No peer standings are published for this institution and quarter.
Peer groups below the disclosure floor are suppressed.
Atlanta, GA · Cert 27276
FDIC
Q4 2004
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 | Q1 2003 | Q2 2003 | Q3 2003 | Q4 2003 | Q1 2004 | Q2 2004 | Q3 2004 | Q4 2004 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 7.35% | 13.18% | 15.30% | 17.50% | 14.46% | 16.25% | 14.95% | 13.60% | -390 bps | |
| Return on Equity | 62.46% | 96.30% | 80.32% | 95.19% | 51.47% | 62.25% | 59.38% | 55.65% | -3,953 bps | |
| Net Interest Margin | 5.58% | 10.69% | 12.22% | 16.19% | 20.55% | 18.59% | 17.98% | 13.31% | -288 bps | |
| Efficiency Ratio | 28.25% | 24.06% | 26.28% | 23.04% | 32.17% | 30.04% | 33.25% | 34.30% | +1,126 bps | |
| Non-Interest Burden | -5.56% | -6.31% | -8.34% | -13.11% | -13.98% | -13.66% | -15.11% | -14.59% | -148 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 9.23% | 528% | 139.74% | 83.84% | 23.52% | -61.20% | -5.39% | -4.94% | -8,879 bps | |
| Loan Growth (YoY) | 113.62% | 736% | 202% | 131.73% | 65.77% | -66.96% | -25.24% | 5.20% | -12,653 bps | |
| Deposit Growth (YoY) | 11.03% | 41.63% | 14.47% | 351% | 2.35% | -3.18% | 21.04% | -75.96% | -42,673 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 | 2.44% | 1.46% | 4.37% | 5.57% | 9.14% | 8.65% | 7.73% | 6.88% | +131 bps | |
| Allowance / Loans | 2.03% | 1.79% | 4.02% | 3.89% | 3.87% | 3.68% | 3.55% | 3.80% | -9 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 | 16.23% | 15.22% | 37.99% | 15.55% | 45.47% | 22.57% | 25.07% | 24.66% | +911 bps | |
| Equity / Assets | 15.00% | 14.81% | 37.70% | 15.79% | 45.35% | 21.50% | 22.42% | 21.91% | +612 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 367% | 1335% | 748% | 116.49% | 594% | 456% | 462% | 510% | +39,330 bps | |
| Liquid Assets / Assets | 0.01% | 0.00% | 0.00% | 0.00% | 0.01% | 0.01% | 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 |