Donalsonville, GA · Cert 29365
FDIC
Q3 2002
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 | Q4 2000 | Q1 2001 | Q2 2001 | Q3 2001 | Q4 2001 | Q1 2002 | Q2 2002 | Q3 2002 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.32% | 0.37% | 0.36% | 0.41% | 0.24% | 0.71% | 0.61% | 0.45% | +4 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | n/a | 7.66% | 6.52% | 4.75% | n/a | |
| Net Interest Margin | n/a | 2.89% | 2.69% | 2.91% | 2.89% | 3.05% | 3.22% | 3.16% | +25 bps | |
| Efficiency Ratio | n/a | 72.87% | 75.00% | 74.64% | 76.64% | 74.51% | 75.13% | 81.06% | +642 bps | |
| Non-Interest Burden | n/a | 1.97% | 1.87% | 2.02% | 2.08% | 2.26% | 2.38% | 2.54% | +52 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -8.27% | 1.13% | 1.63% | -2.38% | -2.27% | -13.06% | -8.86% | -4.24% | -186 bps | |
| Loan Growth (YoY) | -4.43% | 2.70% | -1.39% | -0.50% | -2.40% | 2.95% | 8.34% | 5.64% | +614 bps | |
| Deposit Growth (YoY) | -11.53% | -0.13% | 0.61% | -2.93% | -3.22% | -16.64% | -11.49% | -5.85% | -292 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 | 0.26% | 0.36% | 0.23% | 0.76% | 0.14% | 0.28% | 0.26% | +2 bps | |
| Allowance / Loans | n/a | 1.51% | 1.52% | 1.52% | 1.34% | 1.23% | 1.12% | 1.08% | -45 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 | 13.23% | 13.76% | 13.98% | 13.95% | 13.62% | 13.45% | 13.62% | -36 bps | |
| Equity / Assets | n/a | 8.09% | 8.41% | 9.32% | 9.07% | 9.52% | 9.60% | 9.89% | +58 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 82.01% | 75.50% | 75.94% | 86.31% | 82.71% | 93.24% | 92.95% | 96.83% | +1,053 bps | |
| Liquid Assets / Assets | 0.00% | 0.12% | 0.11% | 0.11% | 0.03% | 0.10% | 0.06% | 0.04% | -7 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |