PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

First National Bank West Metro

Dallas, GA · Cert 57261

FDIC

Q2 2005

$134.0MAssets
$115.3MLoans
$120.0MDeposits
$12.6MEquity
Loan mix
64%RE $14.1M36%C&I $7.8M0%Consumer $0.1MQ3 2003Q2 2005
Deposit mix
92%Interest-bearing $109.9M8%Noninterest $10.1MQ3 2003Q2 2005

Executive Summary

  • Earnings: ROA of 1.24%, up 84 bps year over year; NIM at 4.55%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.00%.
  • Funding: loans stand at 96.09% of deposits as of Q2 2005.

Return on Assets (YTD, annualized)

1.24%+84 bps YoY

Net Interest Margin (YTD, annualized)

4.55%+83 bps YoY

Efficiency Ratio (YTD, annualized)

49.33%-1,855 bps YoY

Tier 1 Leverage Ratio

n/a
n/a

NIM

5.42%Q2 ’035.33%Q2 ’046.71%Q2 ’05+8%+22%

Non-interest income vs. expense

3.69%Q2 ’032.77%Q2 ’042.46%Q2 ’05-16%-16%

Year to date, annualized, through each quarter.

MetricQ3 2003Q4 2003Q1 2004Q2 2004Q3 2004Q4 2004Q1 2005Q2 2005YoY ΔTrend
Earnings
Return on Assets0.01%0.62%0.41%0.41%0.55%0.67%1.09%1.24%+84 bps
Return on Equity0.06%3.54%2.98%3.20%4.58%5.95%12.00%13.54%+1,035 bps
Net Interest Margin3.54%3.36%4.22%3.72%3.72%3.65%4.22%4.55%+83 bps
Efficiency Ratio85.34%81.37%74.31%67.89%64.67%62.13%52.96%49.33%-1,855 bps
Non-Interest Burden2.90%2.59%2.99%2.41%2.30%2.17%2.02%2.02%-39 bps
Growth
Asset Growth (YoY)83.52%56.16%47.65%60.64%66.16%82.06%48.27%31.83%-2,881 bps
Loan Growth (YoY)103.40%67.75%58.82%72.85%65.13%61.12%46.21%24.95%-4,790 bps
Deposit Growth (YoY)117.23%69.64%56.88%68.97%75.51%97.58%52.40%35.52%-3,345 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.01%0.01%0.00%0.01%0.01%0.00%0.00%0.00%-1 bps
Allowance / Loans1.28%1.35%1.31%1.35%1.36%1.45%1.52%1.61%+26 bps
Allowance Coverage of NPLsn/an/an/an/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ration/an/an/an/an/an/an/an/an/an/a
Total Risk-Based Capital18.30%17.95%15.22%13.06%12.07%11.61%11.46%11.79%-127 bps
Equity / Assets15.68%15.48%12.45%11.08%10.10%9.02%9.10%9.42%-166 bps
Liquidity & Funding
Loans / Deposits108.59%111.90%97.87%104.22%102.17%91.25%93.90%96.09%-813 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
CRE / Total Capitaln/an/an/an/an/an/an/an/an/an/a