Alpharetta, GA · Cert 35440
FDIC
Q1 2005
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 | Q2 2003 | Q3 2003 | Q4 2003 | Q1 2004 | Q2 2004 | Q3 2004 | Q4 2004 | Q1 2005 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -2.81% | -2.77% | -2.17% | -1.68% | -0.40% | -0.22% | -0.05% | -3.41% | -173 bps | |
| Return on Equity | -24.86% | -25.00% | -20.86% | -20.68% | -4.82% | -2.61% | -0.55% | -36.87% | -1,619 bps | |
| Net Interest Margin | 2.33% | 2.43% | 2.47% | 3.29% | 3.31% | 3.40% | 3.56% | 3.87% | +58 bps | |
| Efficiency Ratio | 178.21% | 152.30% | 127.31% | 90.26% | 96.86% | 96.05% | 99.29% | 165.35% | +7,510 bps | |
| Non-Interest Burden | 4.28% | 3.83% | 3.25% | 2.94% | 3.21% | 3.25% | 3.53% | 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 | 0.03% | 0.03% | 0.38% | 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 |