Athens, GA · Charter 18437
Q1 2006
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 2004 | Q3 2004 | Q4 2004 | Q1 2005 | Q2 2005 | Q3 2005 | Q4 2005 | Q1 2006 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.06% | 0.14% | 0.12% | 0.10% | 0.33% | 0.32% | 0.40% | -19.28% | -1,938 bps | |
| Return on Equity | -0.50% | 1.14% | 0.97% | 0.81% | 2.65% | 2.57% | 2.89% | -209% | -21,019 bps | |
| Net Interest Margin | 4.12% | 4.20% | 4.11% | 3.88% | 4.19% | 4.36% | 4.89% | 1.87% | -200 bps | |
| Efficiency Ratio | 96.75% | 93.87% | 94.30% | 97.90% | 93.29% | 92.80% | 92.33% | 316% | +21,848 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 1.59% | 2.13% | 1.62% | -1.15% | 0.95% | 2.25% | -8.86% | -11.88% | -1,072 bps | |
| Loan Growth (YoY) | -3.31% | -3.19% | -4.33% | -6.89% | -6.26% | -1.76% | 2.36% | 15.26% | +2,215 bps | |
| Share Growth (YoY) | 7.59% | 2.35% | 2.00% | -0.52% | -2.88% | -3.12% | -10.47% | -3.97% | -346 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.66% | 1.45% | 0.76% | 0.76% | 0.92% | 2.03% | 1.16% | 0.01% | -75 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 | 0.19% | 0.20% | 0.29% | 0.21% | 0.22% | 0.25% | 0.25% | 4.84% | +463 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 12.17% | 12.49% | 12.28% | 12.03% | 12.37% | 12.47% | 13.88% | 9.21% | -282 bps | |
| Net Worth / Assets | 12.17% | 12.49% | 12.28% | 12.03% | 12.37% | 12.47% | 13.88% | 9.21% | -282 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 56.75% | 57.19% | 55.65% | 54.30% | 54.78% | 58.00% | 63.63% | 65.17% | +1,087 bps | |
| Liquid Assets / Assets | 44.65% | 44.85% | 47.61% | 47.97% | 49.52% | 49.05% | 42.27% | 41.05% | -692 bps | |