Atlanta, GA · Charter 10339
Q4 2000
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2000, the quarter ended December 31, 2000, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
No peer standings are published for this institution and quarter.
Peer groups below the disclosure floor are suppressed.
Atlanta, GA · Charter 10339
Q4 2000
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Net Worth / Assets
Year to date, annualized, through each quarter.
| Metric | Q2 1997 | Q4 1997 | Q2 1998 | Q4 1998 | Q2 1999 | Q4 1999 | Q2 2000 | Q4 2000 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 4.40% | 4.57% | 4.35% | 4.63% | 4.27% | 0.99% | 0.81% | 0.72% | -391 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | n/a | n/a | n/a | 3.98% | n/a | n/a |
| Net Interest Margin | n/a | n/a | n/a | n/a | n/a | 4.82% | 4.96% | 5.15% | n/a | |
| Efficiency Ratio | n/a | n/a | n/a | n/a | n/a | 77.54% | 75.76% | 82.19% | n/a | |
| Growth | ||||||||||
| Asset Growth (YoY) | -8.27% | -0.62% | 3.67% | 4.40% | 10.98% | 5.59% | 3.63% | 3.41% | -100 bps | |
| Loan Growth (YoY) | 15.24% | 17.90% | 8.50% | 8.63% | 13.43% | 12.75% | 12.31% | 8.37% | -26 bps | |
| Share Growth (YoY) | -11.56% | -3.26% | 1.84% | 2.39% | 10.71% | 4.60% | 1.65% | 2.24% | -15 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 4.08% | 2.18% | 2.92% | 5.04% | 4.15% | 4.46% | 4.38% | 7.09% | +205 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.02% | 1.14% | 0.95% | 0.98% | 0.56% | 0.59% | 0.60% | 0.64% | -34 bps | |
| Capital | ||||||||||
| Risk-Based Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | 18.09% | n/a | n/a |
| Net Worth / Assets | n/a | n/a | n/a | n/a | n/a | n/a | n/a | 18.09% | n/a | n/a |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 83.50% | 86.14% | 77.22% | 84.66% | 85.55% | 92.85% | 85.33% | 89.73% | +507 bps | |
| Liquid Assets / Assets | 26.25% | 22.12% | 8.07% | 24.74% | 17.31% | 12.78% | 11.97% | 25.05% | +31 bps | |