Cedar Springs, GA · Charter 16392
Q2 1997
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 | Q3 1995 | Q4 1995 | Q1 1996 | Q2 1996 | Q3 1996 | Q4 1996 | Q1 1997 | Q2 1997 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 4.72% | 5.05% | 3.60% | 4.44% | n/a | 4.86% | 4.76% | 4.68% | +24 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) | 15.40% | 9.81% | 7.47% | 6.97% | 8.46% | 9.25% | 10.22% | 10.37% | +341 bps | |
| Loan Growth (YoY) | 12.66% | 7.85% | 7.39% | 8.35% | 9.18% | 11.71% | 7.85% | 2.51% | -584 bps | |
| Share Growth (YoY) | 14.22% | 9.15% | 6.47% | 6.56% | 8.18% | 9.37% | 10.57% | 10.14% | +357 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.98% | 1.82% | 1.71% | 1.09% | 1.19% | 1.04% | 1.31% | 1.53% | +43 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 | 1.51% | 1.48% | 1.62% | 1.18% | 1.18% | 1.11% | 1.21% | 1.31% | +13 bps | |
| 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 | 96.14% | 96.69% | 94.53% | 99.11% | 97.04% | 98.76% | 92.21% | 92.25% | -686 bps | |
| Liquid Assets / Assets | 4.70% | 5.38% | 7.26% | 2.88% | 4.34% | 3.18% | 8.91% | 7.28% | +441 bps | |