Tucker, GA · Cert 27317
FDIC
Q2 2004
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2002 | Q4 2002 | Q1 2003 | Q2 2003 | Q3 2003 | Q4 2003 | Q1 2004 | Q2 2004 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.30% | 0.99% | 1.12% | 1.08% | 1.50% | 1.17% | 0.80% | 1.13% | +5 bps | |
| Return on Equity | 14.13% | 10.86% | 12.36% | 11.69% | 15.80% | 12.07% | 8.16% | 11.49% | -20 bps | |
| Net Interest Margin | 4.68% | 4.38% | 4.07% | 4.28% | 4.53% | 4.49% | 4.78% | 4.61% | +33 bps | |
| Efficiency Ratio | 50.62% | 39.30% | 59.31% | 56.24% | 51.98% | 51.59% | 70.59% | 59.71% | +347 bps | |
| Non-Interest Burden | 2.15% | 1.38% | 2.25% | 2.23% | 2.08% | 2.01% | 3.19% | 2.47% | +25 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 | 0.44% | 1.47% | 0.26% | 0.16% | 0.12% | 0.77% | -0.02% | 0.15% | -1 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 |