Conyers, GA · Charter 20102
Q2 2002
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q4 1998 | Q2 1999 | Q4 1999 | Q2 2000 | Q4 2000 | Q2 2001 | Q4 2001 | Q2 2002 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 3.69% | 5.52% | -0.21% | 3.21% | 7.73% | -7.52% | -6.53% | -15.40% | -1,860 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | 47.44% | -56.42% | -53.37% | -173.03% | n/a | |
| Net Interest Margin | n/a | n/a | 6.06% | 6.79% | 11.00% | 8.91% | 7.65% | 4.68% | -210 bps | |
| Efficiency Ratio | n/a | n/a | 68.95% | 52.78% | 29.69% | 37.93% | 41.10% | 66.28% | +1,349 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 17.02% | -5.61% | -5.93% | 7.97% | 6.78% | 36.20% | 16.04% | 2.93% | -504 bps | |
| Loan Growth (YoY) | 18.27% | 4.81% | -2.16% | 6.45% | 26.26% | 55.00% | 14.85% | -4.93% | -1,137 bps | |
| Share Growth (YoY) | 20.41% | -8.15% | -7.04% | 9.79% | 3.09% | 39.93% | 17.16% | 8.09% | -170 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 13.85% | 26.95% | 12.33% | 5.73% | 6.44% | 7.01% | 12.24% | 9.87% | +413 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 | 12.79% | 13.97% | 8.72% | 3.25% | 2.71% | 8.07% | 10.49% | 5.13% | +188 bps | |
| Capital | ||||||||||
| Risk-Based Capital | n/a | n/a | n/a | n/a | 16.30% | 13.33% | 12.24% | 8.90% | n/a | |
| Net Worth / Assets | n/a | n/a | n/a | n/a | 16.30% | 13.33% | 12.24% | 8.90% | n/a | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 69.16% | 71.93% | 81.47% | 65.63% | 84.71% | 79.68% | 79.86% | 57.73% | -790 bps | |
| Liquid Assets / Assets | 35.10% | 40.09% | 35.23% | 26.18% | 27.21% | 36.94% | 40.17% | 50.75% | +2,458 bps | |