Dalton, GA · Cert 35264
FDIC
Q2 2003
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 2001 | Q4 2001 | Q1 2002 | Q2 2002 | Q3 2002 | Q4 2002 | Q1 2003 | Q2 2003 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.17% | 0.20% | 0.94% | 0.95% | 0.81% | 0.84% | 0.32% | 0.51% | -45 bps | |
| Return on Equity | n/a | n/a | 7.80% | 8.04% | 7.08% | 7.32% | 2.70% | 4.29% | -374 bps | |
| Net Interest Margin | 3.04% | 2.98% | 3.58% | 3.44% | 3.27% | 3.26% | 3.39% | 2.74% | -70 bps | |
| Efficiency Ratio | 79.74% | 77.28% | 62.94% | 61.87% | 61.81% | 60.87% | 73.24% | 71.59% | +971 bps | |
| Non-Interest Burden | 2.30% | 2.13% | 1.90% | 1.78% | 1.69% | 1.63% | 2.18% | 1.79% | +1 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 33.68% | 34.94% | 34.20% | 23.50% | 24.90% | 13.46% | 71.94% | 57.67% | +3,418 bps | |
| Loan Growth (YoY) | 53.57% | 46.18% | 36.33% | 19.01% | 2.98% | 6.78% | 49.92% | 42.04% | +2,303 bps | |
| Deposit Growth (YoY) | 30.89% | 33.19% | 34.40% | 30.34% | 30.11% | 17.21% | 72.34% | 55.53% | +2,519 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% | 0.12% | 0.08% | 0.23% | 0.22% | 0.45% | 0.30% | 0.25% | +3 bps | |
| Allowance / Loans | 1.22% | 1.40% | 1.43% | 1.39% | 1.54% | 1.45% | 1.56% | 1.59% | +20 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 | 10.37% | 11.89% | 12.01% | 11.84% | 11.62% | 12.32% | 12.44% | 12.73% | +89 bps | |
| Equity / Assets | 11.47% | 12.20% | 11.97% | 11.49% | 10.53% | 11.65% | 11.69% | 12.12% | +62 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 99.61% | 94.64% | 90.63% | 85.77% | 78.84% | 86.22% | 78.84% | 78.33% | -744 bps | |
| Liquid Assets / Assets | 0.01% | 0.01% | 0.01% | 0.02% | 0.02% | 0.58% | 0.39% | 0.44% | +42 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |