Conyers, GA · Cert 34506
FDIC
Q4 2004
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2004, the quarter ended December 31, 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.
Conyers, GA · Cert 34506
FDIC
Q4 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 | Q1 2003 | Q2 2003 | Q3 2003 | Q4 2003 | Q1 2004 | Q2 2004 | Q3 2004 | Q4 2004 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.17% | 1.04% | 1.10% | 1.13% | 1.13% | 1.09% | 1.13% | 0.20% | -93 bps | |
| Return on Equity | 14.80% | 13.11% | 13.63% | 13.92% | 14.17% | 13.63% | 14.19% | 1.85% | -1,206 bps | |
| Net Interest Margin | 4.17% | 3.79% | 3.85% | 3.70% | 3.92% | 3.59% | 3.69% | 0.38% | -332 bps | |
| Efficiency Ratio | 60.61% | 62.19% | 62.18% | 61.51% | 59.06% | 59.21% | 57.69% | 34.85% | -2,666 bps | |
| Non-Interest Burden | 2.02% | 1.86% | 1.92% | 1.81% | 1.84% | 1.70% | 1.69% | 0.09% | -172 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 28.01% | 27.36% | 14.26% | 30.30% | 33.50% | 27.35% | 33.74% | 33.84% | +355 bps | |
| Loan Growth (YoY) | 30.57% | 39.29% | 29.84% | 35.34% | 34.53% | 22.36% | 31.07% | 22.42% | -1,292 bps | |
| Deposit Growth (YoY) | 28.34% | 27.76% | 13.50% | 30.53% | 34.40% | 27.94% | 34.96% | 14.50% | -1,602 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 | 0.02% | 0.04% | 0.03% | 0.03% | 0.01% | 0.01% | 0.05% | 0.00% | -3 bps | |
| Allowance / Loans | 1.38% | 1.40% | 1.40% | 1.30% | 1.26% | 1.37% | 1.30% | 1.34% | +4 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 | 10.14% | 10.12% | 10.24% | 10.16% | 10.14% | 10.59% | 10.13% | 10.25% | +8 bps | |
| Equity / Assets | 7.86% | 8.11% | 8.30% | 8.20% | 7.81% | 7.94% | 7.90% | 19.46% | +1,126 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 87.28% | 91.14% | 92.96% | 92.80% | 87.37% | 87.17% | 90.28% | 99.21% | +641 bps | |
| Liquid Assets / Assets | 0.03% | 0.40% | 0.10% | 0.09% | 0.07% | 1.50% | 0.07% | 0.26% | +16 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |