Augusta, GA · Cert 34483
FDIC
Q3 2004
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2004, the quarter ended September 30, 2004, 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.
Augusta, GA · Cert 34483
FDIC
Q3 2004
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 2002 | Q1 2003 | Q2 2003 | Q3 2003 | Q4 2003 | Q1 2004 | Q2 2004 | Q3 2004 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.40% | 0.37% | 0.35% | 0.30% | 0.19% | -0.09% | -0.14% | -0.04% | -34 bps | |
| Return on Equity | 1.10% | 1.17% | 1.13% | 1.08% | 0.75% | -0.45% | -0.74% | -0.20% | -128 bps | |
| Net Interest Margin | 0.55% | 0.30% | 0.37% | 0.38% | 0.17% | -0.27% | -0.34% | -0.16% | -53 bps | |
| Efficiency Ratio | 5.95% | 3.86% | 3.27% | 3.50% | 5.21% | n/a | n/a | n/a | n/a | |
| Non-Interest Burden | -0.02% | -0.28% | -0.18% | -0.14% | -0.07% | -0.11% | -0.09% | -0.08% | +6 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 8.12% | 13.10% | 19.64% | 69.84% | 55.85% | 39.44% | 39.64% | -5.51% | -7,535 bps | |
| Loan Growth (YoY) | 0.75% | 13.70% | 20.19% | 75.13% | 801590% | 31.00% | 30.99% | -5.48% | -8,061 bps | |
| Deposit Growth (YoY) | -24.17% | 7572% | 7536% | -98.08% | -6.38% | -98.98% | -99.12% | -1.96% | +9,613 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 | -582% | -0.02% | -0.02% | -0.02% | -0.05% | -0.01% | -0.01% | -0.01% | +1 bps | |
| Allowance / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 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 | 177.24% | 169.61% | 169.16% | 115.04% | 114.01% | 88.90% | 90.11% | 89.23% | -2,581 bps | |
| Equity / Assets | 32.03% | 30.71% | 30.71% | 20.87% | 20.71% | 17.92% | 18.11% | 18.00% | -288 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 49.00% | 7474% | 6613% | 1189427% | 419561% | 955744% | 989672% | 1146649% | -4,277,811 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |