Albany, GA · Charter 10519
Q1 2001
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2001, the quarter ended March 31, 2001, 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.
Albany, GA · Charter 10519
Q1 2001
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 1999 | Q3 1999 | Q4 1999 | Q1 2000 | Q2 2000 | Q3 2000 | Q4 2000 | Q1 2001 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 4.31% | 1.01% | 0.99% | 1.01% | 1.24% | 1.31% | 1.30% | 1.37% | +36 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | n/a | n/a | 10.36% | 10.65% | n/a | |
| Net Interest Margin | n/a | 3.47% | 3.51% | 3.70% | 3.78% | 3.83% | 3.86% | 4.14% | +44 bps | |
| Efficiency Ratio | n/a | 72.16% | 72.22% | 72.95% | 69.03% | 68.34% | 68.76% | 68.92% | -403 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 7.60% | 15.44% | 14.27% | 12.71% | 13.34% | 6.58% | 5.86% | 4.25% | -846 bps | |
| Loan Growth (YoY) | 4.10% | 12.04% | 17.65% | 21.64% | 24.61% | 15.63% | 11.44% | 5.77% | -1,587 bps | |
| Share Growth (YoY) | 8.46% | 11.62% | 8.95% | 12.18% | 8.76% | 6.28% | 4.10% | 3.13% | -905 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.66% | 0.59% | 0.49% | 0.35% | 0.30% | 0.40% | 0.45% | 0.50% | +15 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 | 1.13% | 1.08% | 1.03% | 1.01% | 1.00% | 1.03% | 1.07% | 1.16% | +16 bps | |
| Capital | ||||||||||
| Risk-Based Capital | n/a | n/a | n/a | n/a | n/a | n/a | 12.58% | 12.87% | n/a | |
| Net Worth / Assets | n/a | n/a | n/a | n/a | n/a | n/a | 12.58% | 12.87% | n/a | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 85.09% | 90.10% | 94.23% | 92.30% | 97.50% | 98.02% | 100.87% | 94.66% | +236 bps | |
| Liquid Assets / Assets | 10.12% | 10.47% | 4.00% | 4.67% | 4.36% | 3.53% | 5.06% | 4.40% | -28 bps | |