Tucker, GA · Cert 27317
FDIC
Q2 2004
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2004, the quarter ended June 30, 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.
Tucker, GA · Cert 27317
FDIC
Q2 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 | Q3 2002 | Q4 2002 | Q1 2003 | Q2 2003 | Q3 2003 | Q4 2003 | Q1 2004 | Q2 2004 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.34% | 1.25% | 1.12% | 1.10% | 1.24% | 1.22% | 0.80% | 0.97% | -13 bps | |
| Return on Equity | 14.47% | 13.61% | 12.36% | 12.02% | 13.33% | 13.01% | 8.16% | 9.83% | -219 bps | |
| Net Interest Margin | 4.56% | 4.52% | 4.07% | 4.17% | 4.31% | 4.39% | 4.78% | 4.67% | +51 bps | |
| Efficiency Ratio | 50.70% | 47.88% | 59.31% | 57.74% | 55.69% | 54.62% | 70.59% | 65.18% | +744 bps | |
| Non-Interest Burden | 2.09% | 1.91% | 2.25% | 2.23% | 2.19% | 2.16% | 3.19% | 2.82% | +59 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 8.32% | 5.07% | 4.25% | 4.48% | -0.17% | 0.03% | 1.04% | -1.31% | -579 bps | |
| Loan Growth (YoY) | 12.93% | 7.11% | 7.43% | 6.19% | 4.67% | 3.92% | 5.15% | 2.30% | -389 bps | |
| Deposit Growth (YoY) | 16.41% | 6.27% | 3.70% | 12.70% | -2.40% | 5.51% | 2.86% | -4.31% | -1,701 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 | 0.29% | 0.59% | 0.26% | 0.21% | 0.18% | 0.33% | -0.02% | 0.06% | -14 bps | |
| Allowance / Loans | 1.54% | 1.60% | 1.52% | 1.55% | 1.49% | 1.50% | 1.56% | 1.64% | +10 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 | 10.27% | 10.05% | 10.25% | 10.42% | 10.60% | 10.78% | 10.54% | 10.92% | +49 bps | |
| Equity / Assets | 9.23% | 8.94% | 9.19% | 9.34% | 9.67% | 9.78% | 9.72% | 9.99% | +66 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 105.61% | 108.98% | 111.27% | 104.56% | 113.25% | 107.33% | 113.75% | 111.78% | +723 bps | |
| Liquid Assets / Assets | 0.20% | 0.89% | 1.14% | 1.33% | 0.11% | 0.05% | 0.17% | 0.28% | -106 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |