Newnan, GA · Charter 20832
Q3 2002
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2002, the quarter ended September 30, 2002, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
No peer standings are published for this institution and quarter.
Peer groups below the disclosure floor are suppressed.
Newnan, GA · Charter 20832
Q3 2002
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 1999 | Q4 1999 | Q2 2000 | Q4 2000 | Q2 2001 | Q4 2001 | Q2 2002 | Q3 2002 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 4.42% | 0.28% | -1.06% | -0.34% | 4.24% | 2.78% | 1.18% | 0.86% | +121 bps | |
| Return on Equity | n/a | n/a | n/a | -2.34% | 26.94% | 15.77% | 6.62% | 3.68% | +602 bps | |
| Net Interest Margin | n/a | 3.60% | 2.84% | 3.59% | 5.02% | 4.71% | 4.74% | 5.46% | +186 bps | |
| Efficiency Ratio | n/a | 93.08% | 133.46% | 108.27% | 65.53% | 76.60% | 77.50% | 85.59% | -2,268 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 8.61% | 6.01% | 7.18% | 4.93% | 10.36% | 0.49% | -1.11% | -23.97% | -2,890 bps | |
| Loan Growth (YoY) | -4.06% | -3.53% | -0.95% | 38.63% | 57.98% | 43.23% | 9.63% | -37.72% | -7,636 bps | |
| Share Growth (YoY) | 7.21% | 5.04% | 7.78% | 5.27% | 10.36% | -0.99% | -4.61% | -31.50% | -3,677 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.04% | 3.38% | 1.77% | 2.80% | 0.39% | 0.13% | 0.81% | 0.21% | -258 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 | 3.06% | 3.20% | 2.63% | 2.00% | 0.46% | 0.35% | 0.52% | 0.68% | -132 bps | |
| Capital | ||||||||||
| Risk-Based Capital | n/a | n/a | n/a | 14.63% | 15.73% | 17.64% | 17.75% | 23.49% | +886 bps | |
| Net Worth / Assets | n/a | n/a | n/a | 14.63% | 15.73% | 17.64% | 17.75% | 23.49% | +886 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 66.32% | 67.27% | 67.08% | 97.40% | 94.93% | 97.32% | 77.10% | 88.56% | -884 bps | |
| Liquid Assets / Assets | 30.99% | 31.32% | 33.19% | 17.27% | 17.03% | 12.11% | 35.92% | 31.18% | +1,391 bps | |