Saint Marys, GA · Cert 35289
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 | -0.30% | -4.01% | -1.99% | -3.39% | -2.27% | -1.89% | -1.08% | -1.12% | +227 bps | |
| Return on Equity | n/a | n/a | -23.51% | -37.69% | -25.12% | -21.06% | -12.13% | -12.37% | +2,532 bps | |
| Net Interest Margin | 4.15% | 3.91% | 3.17% | 3.18% | 3.28% | 2.92% | 2.34% | 2.72% | -46 bps | |
| Efficiency Ratio | 67.34% | 76.59% | 116.18% | 115.76% | 113.71% | 115.41% | 161.33% | 149.36% | +3,360 bps | |
| Non-Interest Burden | 2.67% | 2.91% | 3.72% | 3.72% | 3.78% | 3.42% | 3.91% | 4.19% | +46 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 | 1.61% | 3.87% | 3.43% | 4.41% | 3.34% | 3.00% | 1.96% | 1.84% | -257 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 |