Oakwood, GA · Cert 34593
FDIC
Q2 2004
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2004, the quarter ended June 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.
Oakwood, GA · Cert 34593
FDIC
Q2 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 | Q3 2002 | Q4 2002 | Q1 2003 | Q2 2003 | Q3 2003 | Q4 2003 | Q1 2004 | Q2 2004 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.91% | 0.87% | 0.77% | 0.79% | 0.60% | 0.45% | 1.11% | 1.11% | +33 bps | |
| Return on Equity | 7.31% | 7.36% | 8.16% | 7.95% | 5.92% | 4.39% | 10.17% | 10.12% | +217 bps | |
| Net Interest Margin | 3.99% | 3.64% | 3.82% | 3.56% | 3.49% | 3.68% | 4.29% | 4.07% | +51 bps | |
| Efficiency Ratio | 66.35% | 65.46% | 63.39% | 63.28% | 62.66% | 61.90% | 57.58% | 59.87% | -341 bps | |
| Non-Interest Burden | 2.41% | 2.15% | 2.13% | 1.93% | 1.88% | 1.98% | 2.17% | 2.16% | +23 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 53.85% | 59.65% | 58.95% | 65.40% | 48.19% | 33.51% | 20.72% | -0.01% | -6,542 bps | |
| Loan Growth (YoY) | 64.23% | 73.83% | 78.26% | 62.47% | 52.54% | 36.34% | 30.04% | 12.77% | -4,970 bps | |
| Deposit Growth (YoY) | 60.22% | 67.62% | 65.69% | 71.89% | 51.40% | 34.28% | 19.17% | 1.18% | -7,071 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 | 0.08% | 0.05% | -0.01% | 0.02% | 0.02% | 1.05% | 0.10% | 0.07% | +5 bps | |
| Allowance / Loans | 1.24% | 1.20% | 1.21% | 1.22% | 1.60% | 1.07% | 1.06% | 1.11% | -11 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 | 14.73% | 13.17% | 11.63% | 14.06% | 14.12% | 13.34% | 12.90% | 14.25% | +19 bps | |
| Equity / Assets | 10.89% | 10.04% | 8.99% | 10.64% | 10.88% | 10.93% | 10.93% | 11.18% | +55 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 92.94% | 97.30% | 95.06% | 87.84% | 93.64% | 98.80% | 103.74% | 97.90% | +1,006 bps | |
| Liquid Assets / Assets | 0.01% | 0.05% | 0.04% | 0.00% | 0.01% | 0.03% | 0.02% | 0.01% | +1 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |