Dalton, GA · Charter 14624
Q3 2003
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q2 2001 | Q4 2001 | Q2 2002 | Q3 2002 | Q4 2002 | Q1 2003 | Q2 2003 | Q3 2003 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.20% | 1.26% | 1.03% | 1.00% | 1.10% | 1.06% | 0.86% | -6.68% | -768 bps | |
| Return on Equity | 4.83% | 4.76% | 4.12% | 4.09% | 3.99% | 4.22% | 3.41% | -33.12% | -3,721 bps | |
| Net Interest Margin | 4.00% | 4.09% | 3.68% | 3.70% | 4.30% | 4.05% | 3.89% | 3.88% | +18 bps | |
| Efficiency Ratio | 61.21% | 58.96% | 59.41% | 57.31% | 56.03% | 55.70% | 56.52% | 55.27% | -203 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 2.94% | 12.24% | 23.71% | 22.96% | -4.32% | 10.24% | 2.23% | -1.73% | -2,469 bps | |
| Loan Growth (YoY) | 61.24% | 20.95% | 4.83% | -3.57% | -6.29% | -0.55% | -7.41% | -16.48% | -1,291 bps | |
| Share Growth (YoY) | 0.39% | 13.01% | 29.44% | 46.64% | -8.10% | 12.18% | 1.85% | 4.12% | -4,252 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.86% | 2.67% | 1.49% | 1.88% | 2.84% | 2.79% | 2.31% | 0.00% | -188 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 | 1.93% | 2.10% | 1.90% | 1.96% | 2.13% | 2.23% | 2.16% | 8.74% | +678 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 24.75% | 26.45% | 24.88% | 24.50% | 27.60% | 25.25% | 25.26% | 20.16% | -434 bps | |
| Net Worth / Assets | 24.75% | 26.45% | 24.88% | 24.50% | 27.60% | 25.25% | 25.26% | 20.16% | -434 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 88.28% | 82.35% | 77.90% | 79.67% | 90.03% | 73.00% | 70.83% | 63.91% | -1,576 bps | |
| Liquid Assets / Assets | 34.63% | 40.45% | 42.25% | 40.01% | 35.80% | 46.28% | 47.87% | 52.95% | +1,295 bps | |