Carrollton, GA · Cert 34298
FDIC
Q3 2002
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2002, the quarter ended September 30, 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.
Carrollton, GA · Cert 34298
FDIC
Q3 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 2000 | Q1 2001 | Q2 2001 | Q3 2001 | Q4 2001 | Q1 2002 | Q2 2002 | Q3 2002 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.41% | 0.72% | 0.74% | 0.71% | -0.94% | 1.57% | 1.58% | 1.53% | +83 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | n/a | 12.91% | 12.82% | 12.20% | n/a | |
| Net Interest Margin | n/a | 4.14% | 4.12% | 4.15% | 0.73% | 4.40% | 4.07% | 3.97% | -19 bps | |
| Efficiency Ratio | n/a | 64.96% | 64.85% | 64.04% | 245% | 44.23% | 43.91% | 44.54% | -1,950 bps | |
| Non-Interest Burden | n/a | 2.55% | 2.52% | 2.51% | 1.84% | 1.72% | 1.58% | 1.57% | -94 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 34.66% | 31.04% | 28.34% | 27.20% | 53.14% | 60.60% | 70.34% | 53.62% | +2,642 bps | |
| Loan Growth (YoY) | 58.95% | 40.16% | 31.23% | 38.13% | 51.75% | 66.89% | 82.81% | 68.60% | +3,048 bps | |
| Deposit Growth (YoY) | 32.05% | 26.18% | 29.72% | 24.20% | 51.20% | 57.87% | 63.70% | 52.08% | +2,789 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 | 0.44% | 0.38% | 0.28% | 0.03% | 0.01% | 0.02% | 0.04% | -24 bps | |
| Allowance / Loans | n/a | 1.20% | 1.20% | 1.30% | 1.43% | 1.31% | 1.17% | 1.16% | -14 bps | |
| 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 | 13.80% | 13.55% | 12.61% | 10.09% | 10.59% | 10.41% | 10.93% | -168 bps | |
| Equity / Assets | n/a | 9.20% | 9.05% | 8.74% | 11.86% | 12.45% | 12.49% | 13.34% | +460 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 89.27% | 85.65% | 87.67% | 94.35% | 89.60% | 90.55% | 97.91% | 104.60% | +1,025 bps | |
| Liquid Assets / Assets | 0.00% | 0.19% | 0.12% | 0.19% | 0.08% | 0.02% | 2.41% | 0.00% | -19 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |