Atlanta, GA · Charter 10889
Q2 2004
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 | Q3 2002 | Q4 2002 | Q1 2003 | Q2 2003 | Q3 2003 | Q4 2003 | Q1 2004 | Q2 2004 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -1.18% | -0.84% | -0.89% | -3.57% | -6.66% | -6.39% | -5.75% | -5.92% | -235 bps | |
| Return on Equity | -12.14% | -8.72% | -9.26% | -41.69% | -111.70% | -126.24% | -148.23% | -161.99% | -12,029 bps | |
| Net Interest Margin | 4.73% | 4.54% | 4.38% | 4.86% | 4.99% | 5.12% | 4.33% | 4.43% | -42 bps | |
| Efficiency Ratio | 96.77% | 96.87% | 117.07% | 109.73% | 109.02% | 106.99% | 81.46% | 111.45% | +172 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -1.54% | 3.79% | -3.45% | -6.93% | -11.09% | -15.92% | -18.55% | -17.23% | -1,030 bps | |
| Loan Growth (YoY) | 34.20% | 15.89% | -15.11% | -30.48% | -31.18% | -34.82% | -36.63% | -39.69% | -921 bps | |
| Share Growth (YoY) | -0.37% | 5.56% | -2.72% | -5.91% | -7.45% | -12.02% | -13.52% | -12.40% | -649 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 14.31% | 14.69% | 15.64% | 12.13% | 12.56% | 10.86% | 10.94% | 8.14% | -400 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 | 2.30% | 2.11% | 0.78% | 1.16% | 6.93% | 7.18% | 12.42% | 11.34% | +1,018 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 9.70% | 9.63% | 9.58% | 8.55% | 5.96% | 5.06% | 3.88% | 3.65% | -490 bps | |
| Net Worth / Assets | 9.70% | 9.63% | 9.58% | 8.55% | 5.96% | 5.06% | 3.88% | 3.65% | -490 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 74.79% | 71.31% | 62.63% | 58.78% | 55.61% | 52.83% | 45.89% | 40.47% | -1,832 bps | |
| Liquid Assets / Assets | 31.24% | 33.25% | 38.28% | 44.79% | 49.87% | 49.39% | 55.45% | 60.80% | +1,600 bps | |