Powder Springs, GA · Charter 12747
Q2 1999
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q4 1995 | Q2 1996 | Q4 1996 | Q2 1997 | Q4 1997 | Q2 1998 | Q4 1998 | Q2 1999 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 2.50% | 2.12% | 2.31% | 2.11% | 1.98% | 1.53% | 0.97% | -4.48% | -659 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Net Interest Margin | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Efficiency Ratio | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Growth | ||||||||||
| Asset Growth (YoY) | n/a | 5.61% | 2.19% | -2.57% | 3.05% | -23.82% | -17.23% | -93.45% | -9,088 bps | |
| Loan Growth (YoY) | n/a | -40.75% | -28.48% | -40.89% | -49.07% | -61.10% | -77.46% | -100.00% | -5,911 bps | |
| Share Growth (YoY) | n/a | 6.97% | 2.07% | -4.05% | 4.04% | -32.49% | -25.09% | -100.00% | -9,595 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.27% | 0.34% | 0.33% | 4.58% | 3.90% | 0.00% | 0.00% | n/a | n/a | |
| 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 | 2.88% | 3.64% | 3.49% | 4.03% | 5.13% | 8.49% | 0.53% | n/a | n/a | |
| Capital | ||||||||||
| Risk-Based Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Net Worth / Assets | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 82.65% | 59.89% | 65.69% | 59.51% | 40.46% | 34.51% | 19.77% | n/a | n/a | |
| Liquid Assets / Assets | 39.74% | 55.75% | 52.24% | 57.93% | 70.46% | 76.35% | 84.66% | 61.76% | +383 bps | |