Savannah, GA · Charter 13846
Q4 2005
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2005, the quarter ended December 31, 2005, 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.
Savannah, GA · Charter 13846
Q4 2005
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 2004 | Q2 2004 | Q3 2004 | Q4 2004 | Q1 2005 | Q2 2005 | Q3 2005 | Q4 2005 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.17% | 0.28% | 0.43% | 0.49% | 0.00% | -0.01% | 0.23% | -1.19% | -167 bps | |
| Return on Equity | -0.88% | 1.42% | 2.14% | 2.07% | -0.01% | -0.04% | 0.91% | -4.66% | -673 bps | |
| Net Interest Margin | 5.35% | 5.41% | 5.47% | 6.33% | 5.28% | 6.01% | 5.98% | 4.80% | -153 bps | |
| Efficiency Ratio | 85.54% | 85.76% | 85.59% | 86.08% | 97.07% | 98.73% | 95.64% | 119.57% | +3,349 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -8.50% | -11.17% | -10.80% | -17.37% | -12.57% | -18.94% | -18.97% | -12.01% | +536 bps | |
| Loan Growth (YoY) | -6.99% | -8.06% | -11.19% | -9.58% | -6.95% | -7.25% | -11.33% | -17.77% | -819 bps | |
| Share Growth (YoY) | -10.12% | -13.47% | -13.28% | -22.17% | -16.22% | -24.12% | -24.13% | -14.24% | +793 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.18% | 1.76% | 5.18% | 5.82% | 4.69% | 2.35% | 10.87% | 6.43% | +61 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 | 1.90% | 2.05% | 2.20% | 2.34% | 2.03% | 1.82% | 1.97% | 2.20% | -14 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 19.32% | 19.67% | 19.97% | 23.44% | 22.61% | 24.60% | 24.94% | 25.45% | +201 bps | |
| Net Worth / Assets | 19.32% | 19.67% | 19.97% | 23.44% | 22.61% | 24.60% | 24.94% | 25.45% | +201 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 80.82% | 77.98% | 76.35% | 93.85% | 89.76% | 95.32% | 89.23% | 89.99% | -386 bps | |
| Liquid Assets / Assets | 33.47% | 28.65% | 37.61% | 26.85% | 28.85% | 26.18% | 31.21% | 30.66% | +381 bps | |