Lumpkin, GA · Charter 18634
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 | Q2 1994 | Q4 1994 | Q2 1995 | Q4 1995 | Q2 1996 | Q4 1996 | Q2 1997 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|
| Earnings | |||||||||
| Return on Assets | 4.46% | 4.79% | 5.03% | 3.52% | 4.53% | -5.47% | -2.45% | -748 bps | |
| Return on Equity | 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 |
| Efficiency Ratio | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Growth | |||||||||
| Asset Growth (YoY) | n/a | n/a | n/a | n/a | 29.10% | 22.68% | 28.22% | n/a | |
| Loan Growth (YoY) | n/a | n/a | n/a | n/a | 32.44% | 3.58% | -16.13% | n/a | |
| Share Growth (YoY) | n/a | n/a | n/a | n/a | 26.69% | 69.42% | 66.15% | n/a | |
| Asset Quality | |||||||||
| Delinquent Loans / Loans | 15.00% | 13.45% | 11.41% | 30.03% | 21.57% | 46.45% | 91.14% | +7,974 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 2.63% | 3.38% | 3.36% | 3.34% | 3.11% | 3.40% | 5.42% | +206 bps | |
| Capital | |||||||||
| Risk-Based Capital | 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 |
| Liquidity & Funding | |||||||||
| Loans / Shares | 57.68% | 101.80% | 100.26% | 54.07% | 60.30% | 62.24% | 50.61% | -4,965 bps | |
| Liquid Assets / Assets | 46.10% | 32.52% | 29.14% | 48.03% | 42.49% | 40.03% | 50.11% | +2,097 bps | |