McDonough, GA · Cert 34523
FDIC
Q1 2002
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2002, the quarter ended March 31, 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.
McDonough, GA · Cert 34523
FDIC
Q1 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 | Q2 2000 | Q3 2000 | Q4 2000 | Q1 2001 | Q2 2001 | Q3 2001 | Q4 2001 | Q1 2002 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.45% | 0.41% | 0.37% | 0.47% | 0.26% | 0.37% | 0.33% | 0.08% | -40 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | n/a | n/a | n/a | 0.69% | n/a | n/a |
| Net Interest Margin | n/a | n/a | n/a | 4.12% | 3.58% | 3.49% | 3.22% | 2.90% | -121 bps | |
| Efficiency Ratio | n/a | n/a | n/a | 82.73% | 86.60% | 84.00% | 85.25% | 92.29% | +956 bps | |
| Non-Interest Burden | n/a | n/a | n/a | 3.29% | 3.01% | 2.82% | 2.64% | 2.64% | -65 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 40.18% | 28.26% | 19.92% | 0.84% | 13.39% | 15.46% | 19.40% | 5.05% | +420 bps | |
| Loan Growth (YoY) | 43.20% | 34.32% | 23.74% | 31.62% | 34.39% | 24.70% | 18.58% | 17.75% | -1,387 bps | |
| Deposit Growth (YoY) | 49.95% | 34.01% | 23.47% | -0.15% | 15.53% | 11.31% | 16.11% | 0.30% | +46 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 | n/a | n/a | 0.00% | -0.01% | -0.01% | 0.00% | 0.00% | 0 bps | |
| Allowance / Loans | n/a | n/a | n/a | 1.26% | 1.24% | 1.23% | 1.22% | 1.20% | -6 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 | n/a | n/a | 15.24% | 14.32% | 14.93% | 15.22% | 14.90% | -34 bps | |
| Equity / Assets | n/a | n/a | n/a | 11.55% | 11.18% | 10.85% | 10.84% | 11.29% | -26 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 69.91% | 72.66% | 81.36% | 76.83% | 81.33% | 81.39% | 83.08% | 90.20% | +1,337 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.36% | 8.86% | 12.57% | 9.30% | 4.78% | +441 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |