Dunwoody, GA · Charter 20103
Q4 1997
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q2 1994 | Q4 1994 | Q2 1995 | Q4 1995 | Q2 1996 | Q4 1996 | Q2 1997 | Q4 1997 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 3.52% | 3.79% | 4.98% | 4.84% | 4.89% | 5.29% | 4.51% | 99.28% | +9,444 bps | |
| Return on Equity | n/a | 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 | n/a |
| Efficiency Ratio | n/a | 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 | -9.50% | -20.11% | -13.55% | -97.63% | n/a | |
| Loan Growth (YoY) | n/a | n/a | n/a | n/a | -8.79% | -13.67% | -31.95% | -100.00% | n/a | |
| Share Growth (YoY) | n/a | n/a | n/a | n/a | -14.51% | -26.78% | -19.46% | -100.00% | n/a | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 5.57% | 4.62% | 4.61% | 5.96% | 5.42% | 7.27% | 9.62% | n/a | n/a | |
| 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 | 1.96% | 1.49% | 1.76% | 1.35% | 1.81% | 2.10% | 2.74% | n/a | n/a | |
| Capital | ||||||||||
| Risk-Based Capital | n/a | 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 | n/a |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 66.34% | 67.01% | 72.01% | 76.70% | 70.78% | 79.00% | 60.85% | n/a | n/a | |
| Liquid Assets / Assets | 26.98% | 26.95% | 31.94% | 30.27% | 29.35% | 29.40% | 32.05% | 0.00% | -3,027 bps | |