Decatur, GA · Charter 19901
Q3 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 | Q4 2002 | Q1 2003 | Q2 2003 | Q3 2003 | Q4 2003 | Q1 2004 | Q2 2004 | Q3 2004 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.96% | 0.30% | 0.35% | 0.52% | 0.57% | 2.17% | 2.55% | 2.68% | +216 bps | |
| Return on Equity | 10.05% | 3.46% | 4.19% | 5.95% | 6.26% | 25.33% | 29.23% | 29.76% | +2,381 bps | |
| Net Interest Margin | 4.22% | 4.42% | 4.21% | 4.38% | 4.53% | 5.07% | 5.34% | 5.38% | +100 bps | |
| Efficiency Ratio | 82.75% | 92.65% | 92.51% | 90.71% | 90.13% | 72.57% | 68.24% | 65.62% | -2,509 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 26.49% | 39.38% | 34.18% | 10.92% | 12.37% | 14.95% | 18.41% | 27.81% | +1,689 bps | |
| Loan Growth (YoY) | 34.89% | 15.71% | 29.03% | 19.55% | 26.21% | 66.92% | 75.18% | 67.50% | +4,795 bps | |
| Share Growth (YoY) | 24.37% | 39.75% | 34.24% | 10.75% | 13.26% | 10.74% | 8.05% | 19.69% | +894 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.49% | 1.47% | 1.10% | 1.33% | 1.47% | 1.05% | 0.43% | 0.89% | -44 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 | 0.68% | 0.69% | 0.66% | 0.53% | 0.45% | 0.41% | 0.26% | 0.33% | -20 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 9.54% | 8.72% | 8.43% | 8.77% | 9.06% | 8.56% | 8.71% | 9.01% | +23 bps | |
| Net Worth / Assets | 9.54% | 8.72% | 8.43% | 8.77% | 9.06% | 8.56% | 8.71% | 9.01% | +23 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 72.84% | 60.65% | 62.79% | 72.46% | 81.16% | 91.42% | 101.80% | 101.41% | +2,895 bps | |
| Liquid Assets / Assets | 20.18% | 31.65% | 31.32% | 20.85% | 13.71% | 8.81% | 4.20% | 3.62% | -1,724 bps | |