Kennesaw, GA · Cert 33209
FDIC
Q1 2004
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2004, the quarter ended March 31, 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.
Kennesaw, GA · Cert 33209
FDIC
Q1 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 | Q2 2002 | Q3 2002 | Q4 2002 | Q1 2003 | Q2 2003 | Q3 2003 | Q4 2003 | Q1 2004 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 2.32% | 2.81% | 3.77% | 1.57% | 2.94% | 6.73% | 10.68% | -29.94% | -3,152 bps | |
| Return on Equity | 2.87% | 3.48% | 4.72% | 2.48% | 5.15% | 12.15% | 19.01% | -49.39% | -5,188 bps | |
| Net Interest Margin | 1.32% | 1.36% | 1.48% | 0.66% | 0.91% | 0.45% | 0.09% | 0.43% | -23 bps | |
| Efficiency Ratio | 86.91% | 84.91% | 82.16% | 96.19% | 93.99% | 88.11% | 83.12% | 145.08% | +4,889 bps | |
| Non-Interest Burden | -2.42% | -3.28% | -5.86% | -2.11% | -7.63% | -15.85% | -22.06% | 47.46% | +4,957 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -8.45% | -13.02% | -16.39% | -76.48% | -74.93% | -78.91% | -75.72% | -30.54% | +4,594 bps | |
| Loan Growth (YoY) | -100.00% | -100.00% | n/a | n/a | n/a | n/a | n/a | n/a | n/a | |
| Deposit Growth (YoY) | -98.92% | -98.95% | 73.33% | -79.58% | -74.04% | -85.37% | -73.08% | 391% | +47,078 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| 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 | 318% | 320% | 307% | 89.93% | 88.99% | 149.16% | 159.51% | 214% | +12,383 bps | |
| Equity / Assets | 78.81% | 80.80% | 73.66% | 32.33% | 32.94% | 45.45% | 63.10% | 58.05% | +2,572 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 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 |