Atlanta, GA · Cert 33800
FDIC
Q4 2002
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2002, the quarter ended December 31, 2002, 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.
Atlanta, GA · Cert 33800
FDIC
Q4 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 | Q1 2001 | Q2 2001 | Q3 2001 | Q4 2001 | Q1 2002 | Q2 2002 | Q3 2002 | Q4 2002 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 2.69% | 2.37% | 2.15% | 1.86% | 0.85% | 0.85% | 0.73% | 0.62% | -124 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | 2.19% | 2.14% | 1.91% | 1.61% | n/a | |
| Net Interest Margin | 4.67% | 3.79% | 3.56% | 3.19% | 2.02% | 2.03% | 1.83% | 1.72% | -147 bps | |
| Efficiency Ratio | 9.86% | 11.34% | 12.49% | 14.35% | 24.30% | 25.84% | 27.77% | 31.19% | +1,685 bps | |
| Non-Interest Burden | 0.46% | 0.43% | 0.44% | 0.46% | 0.49% | 0.53% | 0.51% | 0.54% | +8 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 2.07% | 4.02% | 3.27% | 22.15% | 8.51% | 5.18% | 25.41% | -6.06% | -2,822 bps | |
| Loan Growth (YoY) | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Deposit Growth (YoY) | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 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 | 71.33% | 85.50% | 102.87% | 67.25% | 87.34% | 84.71% | 46.05% | 80.19% | +1,293 bps | |
| Equity / Assets | 44.69% | 43.14% | 44.74% | 36.96% | 40.53% | 41.20% | 35.45% | 38.90% | +194 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 | 7.70% | 8.29% | 9.50% | 8.82% | 11.23% | 13.98% | 0.00% | 33.52% | +2,470 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |