Oakwood, GA · Cert 34593
FDIC
Q2 2004
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2002 | Q4 2002 | Q1 2003 | Q2 2003 | Q3 2003 | Q4 2003 | Q1 2004 | Q2 2004 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.89% | 0.79% | 0.77% | 0.81% | 0.26% | 0.04% | 1.11% | 1.11% | +30 bps | |
| Return on Equity | 7.86% | 7.52% | 8.16% | 8.21% | 2.39% | 0.38% | 10.17% | 10.06% | +184 bps | |
| Net Interest Margin | 4.42% | 4.12% | 3.82% | 3.67% | 3.87% | 4.12% | 4.29% | 3.92% | +25 bps | |
| Efficiency Ratio | 65.73% | 63.25% | 63.39% | 63.19% | 61.57% | 59.82% | 57.58% | 62.32% | -87 bps | |
| Non-Interest Burden | 2.57% | 2.30% | 2.13% | 1.93% | 2.07% | 2.20% | 2.17% | 2.19% | +26 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 | 0.05% | 0.02% | -0.01% | 0.05% | 0.03% | 4.14% | 0.10% | 0.04% | -1 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 |