Alpharetta, GA · Cert 35440
FDIC
Q1 2005
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q2 2003 | Q3 2003 | Q4 2003 | Q1 2004 | Q2 2004 | Q3 2004 | Q4 2004 | Q1 2005 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -2.36% | -2.68% | -0.86% | -1.68% | 0.90% | 0.15% | 0.49% | -3.41% | -173 bps | |
| Return on Equity | -21.90% | -25.45% | -9.19% | -20.68% | 11.13% | 1.79% | 5.53% | -36.87% | -1,619 bps | |
| Net Interest Margin | 2.76% | 3.25% | 3.75% | 3.29% | 3.30% | 3.39% | 3.75% | 3.87% | +58 bps | |
| Efficiency Ratio | 153.01% | 122.20% | 89.96% | 90.26% | 104.34% | 94.49% | 108.93% | 165.35% | +7,510 bps | |
| Non-Interest Burden | 4.33% | 4.07% | 3.29% | 2.94% | 3.44% | 3.18% | 4.08% | 6.60% | +366 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 112.05% | 66.45% | 76.39% | 60.65% | 34.23% | 20.80% | -8.88% | -19.22% | -7,987 bps | |
| Loan Growth (YoY) | 188.22% | 157.44% | 142.47% | 121.80% | 62.53% | 33.49% | -11.45% | -18.63% | -14,042 bps | |
| Deposit Growth (YoY) | 151.45% | 77.16% | 84.62% | 66.68% | 37.69% | 23.49% | -9.72% | -21.04% | -8,772 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 | 0.00% | 0.03% | 1.47% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Allowance / Loans | 1.28% | 1.60% | 1.21% | 1.71% | 1.50% | 1.52% | 1.50% | 1.71% | 0 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 | 12.54% | 12.16% | 9.56% | 9.14% | 10.10% | 10.25% | 11.56% | 10.95% | +181 bps | |
| Equity / Assets | 10.61% | 10.48% | 8.48% | 7.76% | 8.40% | 8.48% | 9.31% | 9.16% | +140 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 83.33% | 90.69% | 94.58% | 97.19% | 98.37% | 98.03% | 92.77% | 100.16% | +297 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 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 | n/a | n/a | n/a |