Dalton, GA · Cert 34329
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 | 0.26% | 0.11% | 0.18% | -0.27% | 0.38% | 0.67% | 0.48% | 0.45% | +73 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | 4.80% | 8.38% | 5.98% | 5.59% | n/a | |
| Net Interest Margin | 3.58% | 3.39% | 3.30% | 3.32% | 3.53% | 3.85% | 3.79% | 3.76% | +44 bps | |
| Efficiency Ratio | 82.14% | 87.49% | 84.97% | 94.29% | 81.17% | 75.91% | 75.16% | 77.11% | -1,718 bps | |
| Non-Interest Burden | 2.80% | 2.89% | 2.72% | 3.13% | 2.75% | 2.77% | 2.68% | 2.77% | -36 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 30.41% | 31.58% | 32.80% | 32.26% | 17.13% | 13.28% | 4.19% | -0.53% | -3,279 bps | |
| Loan Growth (YoY) | 23.91% | 41.27% | 40.95% | 38.14% | 33.77% | 14.45% | 1.41% | -4.60% | -4,274 bps | |
| Deposit Growth (YoY) | 32.36% | 34.14% | 36.44% | 32.18% | 15.63% | 10.85% | 0.67% | -1.29% | -3,348 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 | 0.01% | -0.02% | 0.09% | 0.33% | 0.03% | -0.01% | 0.53% | 0.47% | +14 bps | |
| Allowance / Loans | 1.35% | 1.23% | 1.16% | 1.27% | 1.37% | 1.30% | 1.27% | 1.29% | +2 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 | 13.93% | 12.34% | 11.34% | 10.65% | 11.11% | 11.34% | 11.24% | 11.71% | +106 bps | |
| Equity / Assets | 9.80% | 9.41% | 8.50% | 7.69% | 8.10% | 8.37% | 8.22% | 8.33% | +64 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 78.07% | 90.50% | 87.10% | 88.90% | 90.32% | 93.44% | 87.74% | 85.92% | -298 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.12% | 0.00% | 0.00% | 0.00% | 0.00% | -12 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |