Marietta, GA · Cert 27440
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 | 1.20% | 1.17% | 1.16% | 1.05% | 0.77% | 0.85% | 0.45% | 1.04% | -1 bps | |
| Return on Equity | 16.13% | 15.56% | 14.96% | 13.28% | 9.71% | 10.66% | 5.59% | 13.03% | -26 bps | |
| Net Interest Margin | 4.65% | 4.43% | 4.25% | 4.42% | 4.21% | 4.24% | 4.24% | 4.13% | -29 bps | |
| Efficiency Ratio | 46.28% | 47.26% | 50.44% | 48.49% | 49.10% | 49.96% | 76.68% | 60.50% | +1,201 bps | |
| Non-Interest Burden | 1.93% | 1.89% | 1.90% | 1.91% | 1.85% | 1.91% | 3.11% | 2.20% | +29 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 23.63% | 18.50% | 21.59% | 10.98% | 3.37% | 1.71% | -0.49% | 6.64% | -434 bps | |
| Loan Growth (YoY) | 31.43% | 23.65% | 31.66% | 22.97% | 14.33% | 6.45% | -0.82% | -0.61% | -2,358 bps | |
| Deposit Growth (YoY) | 23.62% | 24.21% | 29.59% | 37.20% | 24.41% | 11.39% | 9.59% | 7.27% | -2,993 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 | 0.74% | 0.67% | 0.03% | 0.80% | 1.03% | 1.09% | 0.39% | 0.14% | -66 bps | |
| Allowance / Loans | 1.40% | 1.40% | 1.47% | 1.44% | 1.64% | 1.48% | 1.51% | 1.63% | +19 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 | 10.11% | 10.27% | 10.08% | 10.42% | 10.38% | 10.43% | 10.37% | 10.84% | +42 bps | |
| Equity / Assets | 7.44% | 7.76% | 7.72% | 8.15% | 8.18% | 8.09% | 7.99% | 7.82% | -32 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 112.35% | 112.19% | 104.79% | 98.40% | 103.25% | 107.21% | 94.82% | 91.18% | -723 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 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 |