Atlanta, GA · Cert 27276
FDIC
Q4 2004
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| 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% | 18.11% | 13.04% | 25.49% | 14.46% | 19.53% | 12.99% | 10.43% | -1,506 bps | |
| Return on Equity | 62.46% | 121.87% | 59.34% | 98.04% | 51.47% | 58.84% | 59.09% | 47.10% | -5,094 bps | |
| Net Interest Margin | 5.58% | 18.51% | 14.92% | 21.03% | 20.55% | 19.18% | 12.69% | 7.75% | -1,327 bps | |
| Efficiency Ratio | 28.25% | 23.16% | 28.92% | 16.86% | 32.17% | 28.05% | 40.28% | 37.25% | +2,039 bps | |
| Non-Interest Burden | -5.56% | -9.77% | -12.18% | -22.60% | -13.98% | -15.07% | -15.03% | -20.13% | +248 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% | 2.40% | 6.64% | 6.80% | 9.14% | 7.30% | 6.31% | 8.03% | +123 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 |