Kennesaw, GA · Cert 33209
FDIC
Q1 2004
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q1 2003 | Q2 2003 | Q3 2003 | Q4 2003 | Q1 2004 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.57% | 6.58% | 20.95% | 33.83% | -29.94% | -3,152 bps | |
| Return on Equity | 2.48% | 20.16% | 54.25% | 63.21% | -49.39% | -5,188 bps | |
| Net Interest Margin | 0.66% | 0.44% | -0.40% | -0.96% | 0.43% | -23 bps | |
| Efficiency Ratio | 96.19% | 91.51% | 76.31% | 67.43% | 145.08% | +4,889 bps | |
| Non-Interest Burden | -2.11% | -10.90% | -32.80% | -42.24% | 47.46% | +4,957 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -76.48% | -74.93% | -78.91% | -75.72% | -30.54% | +4,594 bps | |
| Loan Growth (YoY) | n/a | n/a | n/a | n/a | n/a | n/a | |
| Deposit Growth (YoY) | -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 |
| Net Charge-Offs / Loans | 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 |
| Allowance Coverage of NPLs | 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 |
| Total Risk-Based Capital | 89.93% | 88.99% | 149.16% | 159.51% | 214% | +12,383 bps | |
| Equity / Assets | 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 bps | |
| Liquid Assets / Assets | 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 |