Saint Marys, GA · Cert 35289
FDIC
Q2 2003
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2001 | Q4 2001 | Q1 2002 | Q2 2002 | Q3 2002 | Q4 2002 | Q1 2003 | Q2 2003 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -2.59% | -13.34% | -1.99% | -4.65% | -0.18% | -0.83% | -1.08% | -1.16% | +350 bps | |
| Return on Equity | -29.10% | -142.56% | -23.51% | -52.45% | -1.92% | -9.25% | -12.13% | -12.61% | +3,985 bps | |
| Net Interest Margin | 4.38% | 3.68% | 3.17% | 3.33% | 3.26% | 2.65% | 2.34% | 2.96% | -37 bps | |
| Efficiency Ratio | 71.76% | 106.34% | 116.18% | 115.38% | 110.00% | 121.59% | 161.33% | 139.15% | +2,377 bps | |
| Non-Interest Burden | 3.01% | 3.93% | 3.72% | 3.89% | 3.66% | 3.26% | 3.91% | 4.21% | +32 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 68.49% | 49.21% | 42.92% | 16.43% | 19.18% | 18.76% | -1.27% | -0.61% | -1,704 bps | |
| Loan Growth (YoY) | 98.32% | 58.23% | 36.96% | 14.35% | 10.44% | 0.17% | -6.84% | -5.89% | -2,024 bps | |
| Deposit Growth (YoY) | 71.47% | 49.80% | 44.27% | 13.37% | 19.78% | 19.59% | -2.81% | 0.85% | -1,251 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 | 4.78% | 10.93% | 3.43% | 5.43% | 1.00% | 1.58% | 1.96% | 1.76% | -367 bps | |
| Allowance / Loans | 1.28% | 4.51% | 3.74% | 3.73% | 3.57% | 3.49% | 3.12% | 2.68% | -105 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 | 12.62% | 11.21% | 9.84% | 11.98% | 12.61% | 12.14% | 12.79% | 12.04% | +6 bps | |
| Equity / Assets | 9.43% | 9.28% | 7.71% | 10.11% | 9.18% | 8.79% | 9.06% | 9.31% | -80 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 91.76% | 94.58% | 86.44% | 96.93% | 84.60% | 79.22% | 82.86% | 90.45% | -648 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.02% | 0.03% | 0.04% | +4 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |