Atlanta, GA · Cert 33800
FDIC
Q4 2002
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q4 2001 | Q1 2002 | Q2 2002 | Q3 2002 | Q4 2002 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.19% | 0.85% | 0.86% | 0.55% | 0.26% | -93 bps | |
| Return on Equity | 2.95% | 2.19% | 2.10% | 1.45% | 0.70% | -224 bps | |
| Net Interest Margin | 2.39% | 2.02% | 2.07% | 1.47% | 1.25% | -114 bps | |
| Efficiency Ratio | 22.39% | 24.30% | 27.33% | 33.04% | 46.53% | +2,414 bps | |
| Non-Interest Burden | 0.54% | 0.49% | 0.57% | 0.49% | 0.58% | +5 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 |