Trenton, GA · Charter 13711
Q4 2007
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 | Q1 2006 | Q2 2006 | Q3 2006 | Q4 2006 | Q1 2007 | Q2 2007 | Q3 2007 | Q4 2007 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.89% | 0.61% | 0.44% | 1.15% | 0.94% | 1.13% | 1.04% | 1.23% | +8 bps | |
| Return on Equity | 7.12% | 2.31% | 1.57% | 4.19% | 3.43% | 4.00% | 3.64% | 4.11% | -8 bps | |
| Net Interest Margin | 4.93% | 4.92% | 1.60% | 4.79% | 4.13% | 4.27% | 4.11% | 4.39% | -40 bps | |
| Efficiency Ratio | 61.67% | 60.96% | 72.84% | 62.15% | 77.50% | 73.69% | 74.78% | 72.11% | +996 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -17.16% | -17.02% | -19.71% | -9.49% | 0.46% | -2.21% | 1.60% | -6.42% | +307 bps | |
| Loan Growth (YoY) | 2.31% | -3.16% | -12.45% | -14.38% | -26.60% | -25.96% | -6.84% | -11.05% | +333 bps | |
| Share Growth (YoY) | -22.91% | -22.99% | -26.13% | -14.06% | -0.78% | -5.09% | 0.19% | -10.82% | +324 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 3.00% | 0.00% | 0.12% | 3.27% | 3.63% | 3.86% | 3.32% | 3.60% | +33 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 | 3.16% | 3.40% | 3.67% | 3.75% | 4.21% | 4.49% | 3.85% | 4.10% | +35 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 26.54% | 26.26% | 27.73% | 27.36% | 27.32% | 28.18% | 28.51% | 29.83% | +247 bps | |
| Net Worth / Assets | 26.54% | 26.26% | 27.73% | 27.36% | 27.32% | 28.18% | 28.51% | 29.83% | +247 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 31.75% | 29.29% | 28.69% | 27.36% | 23.49% | 22.85% | 26.68% | 27.29% | -7 bps | |
| Liquid Assets / Assets | 75.36% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |