Conyers, GA · Cert 34506
FDIC
Q4 2004
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| 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% | 0.92% | 1.18% | 1.22% | 1.13% | 1.02% | 1.21% | -2.27% | -350 bps | |
| Return on Equity | 14.80% | 11.53% | 14.39% | 14.85% | 14.17% | 12.96% | 15.27% | -16.25% | -3,110 bps | |
| Net Interest Margin | 4.17% | 3.80% | 4.07% | 3.93% | 3.92% | 3.60% | 3.98% | -7.97% | -1,190 bps | |
| Efficiency Ratio | 60.61% | 63.68% | 62.17% | 59.65% | 59.06% | 59.36% | 54.92% | 36.65% | -2,300 bps | |
| Non-Interest Burden | 2.02% | 1.89% | 2.09% | 1.83% | 1.84% | 1.71% | 1.72% | -3.97% | -580 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% | 0.06% | 0.02% | 0.02% | 0.01% | 0.00% | 0.14% | -0.15% | -17 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 |