Atlanta, GA · Cert 33784
FDIC
Q2 2002
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2000 | Q4 2000 | Q1 2001 | Q2 2001 | Q3 2001 | Q4 2001 | Q1 2002 | Q2 2002 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 4.92% | 3.00% | -0.86% | 0.29% | 0.32%1 | -3.25% | -0.19% | -20.45% | -2,074 bps | |
| Return on Equity | n/a | n/a | n/a | 3.53% | 4.00% | -42.72% | -2.61% | -361% | -36,502 bps | |
| Net Interest Margin | n/a | n/a | 3.14% | 2.94% | 2.49% | 2.02% | 3.02% | 3.16% | +22 bps | |
| Efficiency Ratio | n/a | n/a | 119.69% | 111.38% | 98.65% | 198.62% | 103.98% | 1975% | +186,325 bps | |
| Non-Interest Burden | n/a | n/a | 4.60% | 3.76% | 2.39% | 8.37% | 3.33% | 25.66% | +2,190 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -18.03% | -19.50% | -7.65% | 12.74% | 30.39% | 19.46% | 3.90% | -27.33% | -4,007 bps | |
| Loan Growth (YoY) | -19.68% | 14.06% | 44.46% | 34.02% | 35.35% | -4.71% | -25.35% | -29.51% | -6,353 bps | |
| Deposit Growth (YoY) | -50.30% | -34.84% | -13.46% | 62.66% | 83.19% | 31.40% | 21.98% | -19.38% | -8,204 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 | -0.31% | -2.61% | -0.19% | 4.19% | -1.69% | 1.33% | +394 bps | |
| 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 | n/a | n/a | 22.44% | 23.54% | 23.24% | 33.08% | 34.86% | 17.61% | -593 bps | |
| Equity / Assets | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 103.71% | 95.34% | 84.27% | 75.70% | 76.63% | 69.15% | 51.57% | 66.19% | -951 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 |