Statesboro, GA · Charter 14915
Q4 2000
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q2 1997 | Q4 1997 | Q2 1998 | Q4 1998 | Q2 1999 | Q4 1999 | Q2 2000 | Q4 2000 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 4.37% | 4.11% | 3.44% | 2.51% | 0.75% | -1.82% | -15.49% | -7.71% | -1,023 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | n/a | n/a | n/a | -142.55% | n/a | n/a |
| Net Interest Margin | n/a | n/a | n/a | n/a | n/a | 5.96% | 5.59% | 6.10% | n/a | |
| Efficiency Ratio | n/a | n/a | n/a | n/a | n/a | 91.74% | 123.78% | 103.20% | n/a | |
| Growth | ||||||||||
| Asset Growth (YoY) | -6.26% | -4.53% | -5.58% | 4.78% | 14.01% | -6.80% | -16.36% | -18.64% | -2,342 bps | |
| Loan Growth (YoY) | -14.42% | -14.14% | 4.94% | 23.35% | 31.88% | 14.83% | -26.94% | -21.05% | -4,440 bps | |
| Share Growth (YoY) | -12.26% | -9.24% | -1.25% | 4.40% | 18.53% | -5.43% | -8.33% | -12.50% | -1,690 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.83% | 1.99% | 1.05% | 9.30% | 9.56% | 7.83% | 1.79% | 4.34% | -496 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 | 1.05% | 1.36% | 1.34% | 2.13% | 4.06% | 4.58% | 2.05% | 2.22% | +9 bps | |
| Capital | ||||||||||
| Risk-Based Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | 5.41% | n/a | n/a |
| Net Worth / Assets | n/a | n/a | n/a | n/a | n/a | n/a | n/a | 5.41% | n/a | n/a |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 74.97% | 80.12% | 94.80% | 104.27% | 83.41% | 97.29% | 75.56% | 94.09% | -1,019 bps | |
| Liquid Assets / Assets | 21.21% | 11.53% | 9.74% | 0.26% | 17.76% | 11.20% | 0.00% | 10.39% | +1,013 bps | |