Suwanee, GA · Cert 35089
FDIC
Q3 2002
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2002, the quarter ended September 30, 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.
Suwanee, GA · Cert 35089
FDIC
Q3 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 | Q4 2000 | Q1 2001 | Q2 2001 | Q3 2001 | Q4 2001 | Q1 2002 | Q2 2002 | Q3 2002 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.51% | 0.18% | 0.27%1 | 0.30%1 | 0.77% | 0.36% | 0.41% | 0.49% | +19 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | n/a | 3.15% | 3.82% | 4.75% | n/a | |
| Net Interest Margin | n/a | 3.77% | 3.63% | 3.23% | 2.94% | 3.42% | 3.19% | 3.01% | -22 bps | |
| Efficiency Ratio | n/a | 83.00% | 81.63% | 80.64% | 78.87% | 73.12% | 72.71% | 71.85% | -879 bps | |
| Non-Interest Burden | n/a | 3.06% | 2.89% | 2.54% | 2.22% | 2.44% | 2.21% | 2.05% | -49 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 149.02% | 101.60% | 78.59% | 77.45% | 66.47% | 71.93% | 55.73% | 47.66% | -2,978 bps | |
| Loan Growth (YoY) | 276% | 135.90% | 125.99% | 110.59% | 111.37% | 101.13% | 69.85% | 51.74% | -5,885 bps | |
| Deposit Growth (YoY) | 266% | 142.42% | 95.78% | 91.96% | 80.08% | 86.76% | 62.75% | 52.18% | -3,978 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 | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Allowance / Loans | n/a | 1.25% | 1.25% | 1.25% | 1.25% | 1.25% | 1.25% | 1.22% | -3 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 | 22.53% | 17.19% | 15.59% | 14.47% | 13.05% | 11.88% | 11.41% | -418 bps | |
| Equity / Assets | n/a | 17.60% | 14.00% | 12.55% | 12.10% | 10.62% | 9.55% | 9.14% | -341 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 83.64% | 88.10% | 88.78% | 90.45% | 98.17% | 94.88% | 92.66% | 90.19% | -26 bps | |
| Liquid Assets / Assets | 0.00% | 1.52% | 1.16% | 1.03% | 0.32% | 0.28% | 0.25% | 0.23% | -80 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |