Alpharetta, GA · Cert 34718
FDIC
Q3 2004
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q4 2002 | Q1 2003 | Q2 2003 | Q3 2003 | Q4 2003 | Q1 2004 | Q2 2004 | Q3 2004 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.01% | 0.47% | 0.50% | 0.90% | 0.72% | 0.58% | 0.02% | 0.94% | +4 bps | |
| Return on Equity | -0.08% | 5.81% | 6.43% | 12.20% | 9.68% | 7.90% | 0.20% | 8.48% | -371 bps | |
| Net Interest Margin | 2.68% | 2.86% | 2.87% | 3.02% | 3.24% | 3.21% | -1.56% | 3.83% | +81 bps | |
| Efficiency Ratio | 82.50% | 79.98% | 83.47% | 75.06% | 76.60% | 72.58% | 46.91% | 60.92% | -1,414 bps | |
| Non-Interest Burden | 2.06% | 2.07% | 2.20% | 2.04% | 2.35% | 2.14% | -1.43% | 2.25% | +21 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 15.47% | 11.86% | 27.46% | 27.10% | 18.37% | 27.96% | 21.82% | 16.90% | -1,020 bps | |
| Loan Growth (YoY) | 36.66% | 32.10% | 32.78% | 33.14% | 9.37% | 23.63% | 18.40% | 13.68% | -1,946 bps | |
| Deposit Growth (YoY) | -0.70% | 6.24% | 20.66% | 10.78% | 13.30% | 33.10% | 19.71% | 25.26% | +1,448 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 | 0.00% | 0.39% | 0.00% | 0.06% | 0.00% | 0.18% | -0.18% | 0.00% | -6 bps | |
| Allowance / Loans | 1.07% | 1.07% | 1.08% | 1.07% | 1.07% | 0.97% | 1.35% | 1.39% | +32 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 | 10.90% | 10.79% | 10.41% | 10.96% | 11.04% | 10.51% | 8.99% | 10.39% | -57 bps | |
| Equity / Assets | 7.88% | 8.19% | 7.44% | 7.33% | 7.47% | 7.33% | 10.72% | 11.49% | +416 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 101.23% | 97.16% | 91.29% | 100.71% | 97.72% | 90.25% | 90.28% | 91.40% | -931 bps | |
| Liquid Assets / Assets | 5.67% | 5.16% | 3.21% | 3.70% | 3.34% | 4.99% | 0.80% | 0.99% | -270 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |