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 | Q4 2001 | Q1 2002 | Q2 2002 | Q3 2002 | Q4 2002 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.86% | 0.85% | 0.85% | 0.73% | 0.62% | -124 bps | |
| Return on Equity | n/a | 2.19% | 2.14% | 1.91% | 1.61% | n/a | |
| Net Interest Margin | 3.19% | 2.02% | 2.03% | 1.83% | 1.72% | -147 bps | |
| Efficiency Ratio | 14.35% | 24.30% | 25.84% | 27.77% | 31.19% | +1,685 bps | |
| Non-Interest Burden | 0.46% | 0.49% | 0.53% | 0.51% | 0.54% | +8 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 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 |
| Deposit Growth (YoY) | 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 |
| 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 | 67.25% | 87.34% | 84.71% | 46.05% | 80.19% | +1,293 bps | |
| Equity / Assets | 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 bps | |
| Liquid Assets / Assets | 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 |