Atlanta, GA · Charter 17653
Q1 2004
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 | Q2 2002 | Q3 2002 | Q4 2002 | Q1 2003 | Q2 2003 | Q3 2003 | Q4 2003 | Q1 2004 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.89% | 1.07% | 0.64% | 0.57% | 0.54% | 0.40% | 0.43% | -0.34% | -92 bps | |
| Return on Equity | 5.17% | 5.96% | 3.59% | 3.32% | 3.11% | 2.26% | 2.38% | -1.92% | -524 bps | |
| Net Interest Margin | 3.15% | 3.34% | 3.13% | 3.20% | 3.24% | 3.09% | 3.02% | 2.57% | -63 bps | |
| Efficiency Ratio | 66.38% | 63.97% | 68.76% | 71.63% | 72.46% | 74.95% | 76.66% | 110.01% | +3,838 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 18.63% | 19.43% | 9.22% | 8.96% | 1.30% | 1.56% | 1.20% | -1.32% | -1,028 bps | |
| Loan Growth (YoY) | 8.80% | 9.06% | 3.52% | -7.10% | -8.98% | -11.23% | -14.95% | -19.69% | -1,259 bps | |
| Share Growth (YoY) | 24.60% | 22.67% | 10.45% | 11.15% | 1.54% | 2.16% | 1.41% | -1.73% | -1,288 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 2.15% | 1.96% | 2.30% | 2.50% | 3.18% | 3.89% | 3.32% | 2.83% | +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 | 1.15% | 1.20% | 1.49% | 1.55% | 1.85% | 2.25% | 1.25% | 1.02% | -53 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 17.25% | 17.94% | 17.73% | 17.32% | 17.48% | 17.81% | 17.94% | 17.74% | +42 bps | |
| Net Worth / Assets | 17.25% | 17.94% | 17.73% | 17.32% | 17.48% | 17.81% | 17.94% | 17.74% | +42 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 55.86% | 56.39% | 55.93% | 51.19% | 50.08% | 49.00% | 46.91% | 41.83% | -936 bps | |
| Liquid Assets / Assets | 43.02% | 47.00% | 44.55% | 48.88% | 50.89% | 53.52% | 61.12% | 65.08% | +1,619 bps | |