Columbus, GA · Cert 35389
FDIC
Q3 2004
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 2003 | Q4 2003 | Q1 2004 | Q2 2004 | Q3 2004 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -1.71% | -0.84% | 1.23% | 1.10% | 1.12% | +283 bps | |
| Return on Equity | -1.79% | -0.88% | 1.34% | 1.19% | 1.22% | +300 bps | |
| Net Interest Margin | 1.24% | 1.11% | 1.09% | 0.90% | 1.00% | -23 bps | |
| Efficiency Ratio | 124.32% | 111.05% | 86.75% | 87.75% | 87.63% | -3,669 bps | |
| Non-Interest Burden | 4.10% | 2.53% | -1.02% | -0.96% | -0.89% | -499 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 2.31% | 7.82% | 9.60% | 1.14% | 1.27% | -104 bps | |
| Loan Growth (YoY) | n/a | n/a | n/a | n/a | n/a | n/a | |
| Deposit Growth (YoY) | 1624% | n/a | n/a | 0.00% | 0.00% | -162,414 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance Coverage of NPLs | 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 |
| Total Risk-Based Capital | 258% | 271% | 331% | 340% | 347% | +8,964 bps | |
| Equity / Assets | 91.87% | 91.91% | 91.93% | 91.95% | 91.97% | +10 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a |