Carrollton, GA · Cert 27887
FDIC
Q1 2002
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q2 2000 | Q3 2000 | Q4 2000 | Q1 2001 | Q2 2001 | Q3 2001 | Q4 2001 | Q1 2002 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.36% | 1.36% | 1.38% | 1.35% | 0.46% | 1.40% | -2.50% | 0.53% | -82 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | 5.53% | 16.09% | -15.36% | 2.18% | n/a | |
| Net Interest Margin | n/a | n/a | n/a | 4.12% | 3.50% | 3.71% | -8.28% | 2.53% | -159 bps | |
| Efficiency Ratio | n/a | n/a | n/a | 55.15% | 67.10% | 51.97% | 71.73% | 65.07% | +992 bps | |
| Non-Interest Burden | n/a | n/a | n/a | 1.76% | 2.05% | 1.51% | -3.73% | 1.67% | -9 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 7.58% | 4.59% | 3.12% | 0.87% | 35.12% | 34.48% | 43.25% | 39.57% | +3,870 bps | |
| Loan Growth (YoY) | 13.71% | 8.42% | 6.20% | 3.06% | 36.03% | 29.31% | 16.59% | 9.72% | +666 bps | |
| Deposit Growth (YoY) | 2.13% | 5.05% | 6.05% | 4.23% | 39.50% | 39.83% | 33.87% | 28.68% | +2,445 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 | n/a | n/a | n/a | 0.17% | 0.20% | 0.25% | -1.20% | 0.27% | +10 bps | |
| Allowance / Loans | n/a | n/a | n/a | 1.23% | 1.35% | 1.35% | 2.54% | 2.56% | +134 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 | n/a | n/a | n/a | 11.34% | 11.58% | 12.48% | 8.90% | 11.40% | +6 bps | |
| Equity / Assets | n/a | n/a | n/a | 7.90% | 8.49% | 8.86% | 23.38% | 24.94% | +1,704 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 102.63% | 99.85% | 98.59% | 99.59% | 100.07% | 92.33% | 85.87% | 84.92% | -1,467 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.25% | 0.66% | 0.89% | 0.27% | 0.29% | +4 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |