Savannah, GA · Charter 21063
Q1 2006
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 2004 | Q3 2004 | Q4 2004 | Q1 2005 | Q2 2005 | Q3 2005 | Q4 2005 | Q1 2006 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.63% | 1.35% | 1.45% | 0.09% | 0.02% | 0.38% | 0.45% | -0.34% | -43 bps | |
| Return on Equity | 8.02% | 6.78% | 6.96% | 0.48% | 0.09% | 1.88% | 2.10% | -1.68% | -215 bps | |
| Net Interest Margin | 4.11% | 4.01% | 4.11% | 3.57% | 3.56% | 3.88% | 4.02% | 4.81% | +124 bps | |
| Efficiency Ratio | 72.56% | 70.05% | 68.91% | 90.99% | 91.20% | 85.09% | 84.69% | 96.66% | +567 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -2.47% | 3.50% | 5.14% | 7.94% | 8.14% | 1.33% | 0.48% | -1.92% | -986 bps | |
| Loan Growth (YoY) | 23.15% | 23.54% | 17.03% | -18.31% | -11.93% | -5.00% | 2.86% | 5.61% | +2,393 bps | |
| Share Growth (YoY) | -4.57% | 2.62% | 4.58% | 8.21% | 9.29% | 1.10% | -0.02% | -2.74% | -1,095 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.31% | 0.69% | 1.48% | 1.48% | 1.41% | 0.53% | 0.90% | 0.14% | -133 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 | 1.09% | 1.23% | 1.71% | 0.69% | 1.12% | 1.18% | 1.12% | 1.46% | +76 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 20.32% | 19.89% | 20.87% | 19.58% | 19.39% | 20.31% | 21.22% | 20.28% | +70 bps | |
| Net Worth / Assets | 20.32% | 19.89% | 20.87% | 19.58% | 19.39% | 20.31% | 21.22% | 20.28% | +70 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 52.99% | 50.24% | 49.09% | 42.35% | 42.70% | 47.21% | 50.50% | 45.99% | +364 bps | |
| Liquid Assets / Assets | 55.33% | 56.78% | 58.98% | 63.02% | 62.40% | 59.36% | 56.86% | 59.90% | -312 bps | |