Thomasville, GA · Charter 18570
Q4 2001
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q2 1998 | Q4 1998 | Q2 1999 | Q4 1999 | Q2 2000 | Q4 2000 | Q2 2001 | Q4 2001 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 5.27% | 5.18% | 4.34% | 1.56% | 1.96% | 2.36% | 1.78% | 1.11% | -46 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | n/a | 11.78% | 8.19% | 4.55% | n/a | |
| Net Interest Margin | n/a | n/a | n/a | 5.79% | 5.70% | 5.64% | 7.20% | 6.23% | +44 bps | |
| Efficiency Ratio | n/a | n/a | n/a | 77.65% | 65.87% | 53.71% | 75.69% | 82.31% | +467 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 29.65% | 54.73% | 47.59% | 71.04% | 78.72% | 36.85% | 31.07% | 7.30% | -6,373 bps | |
| Loan Growth (YoY) | 22.12% | 27.13% | 29.60% | 48.25% | 53.88% | 30.25% | 35.13% | 14.42% | -3,383 bps | |
| Share Growth (YoY) | 28.16% | 55.11% | 29.63% | 58.12% | 70.60% | 24.41% | 37.88% | 3.01% | -5,511 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.49% | 0.90% | 1.40% | 0.99% | 1.31% | 2.41% | 1.91% | 2.38% | +138 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 | 0.60% | 0.54% | 0.53% | 0.57% | 0.50% | 0.88% | 0.83% | 0.22% | -35 bps | |
| Capital | ||||||||||
| Risk-Based Capital | n/a | n/a | n/a | n/a | n/a | 20.04% | 21.77% | 24.30% | n/a | |
| Net Worth / Assets | n/a | n/a | n/a | n/a | n/a | 20.04% | 21.77% | 24.30% | n/a | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 108.35% | 91.11% | 108.81% | 108.21% | 97.73% | 95.38% | 106.64% | 120.20% | +1,199 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 23.92% | 16.54% | 9.66% | +966 bps | |