Macon, GA · Charter 21176
Q1 2005
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2005, the quarter ended March 31, 2005, 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.
Macon, GA · Charter 21176
Q1 2005
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 2003 | Q3 2003 | Q4 2003 | Q1 2004 | Q2 2004 | Q3 2004 | Q4 2004 | Q1 2005 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.36% | 0.57% | 0.58% | 0.81% | 0.78% | 0.89% | 0.79% | 0.50% | -31 bps | |
| Return on Equity | 1.98% | 3.18% | 3.16% | 4.44% | 4.29% | 4.86% | 4.20% | 2.58% | -186 bps | |
| Net Interest Margin | 4.40% | 4.46% | 4.54% | 4.37% | 4.28% | 4.25% | 4.30% | 4.11% | -25 bps | |
| Efficiency Ratio | 92.36% | 87.99% | 87.88% | 82.29% | 82.61% | 80.01% | 80.84% | 88.56% | +628 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -3.12% | -0.37% | -0.56% | 1.39% | 3.77% | 1.83% | 2.88% | -1.60% | -299 bps | |
| Loan Growth (YoY) | 10.44% | 10.28% | 12.52% | -1.20% | -3.35% | 2.80% | -5.47% | -3.00% | -180 bps | |
| Share Growth (YoY) | -4.48% | -1.14% | -1.27% | 1.22% | 3.82% | 1.21% | 2.61% | -3.02% | -424 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.76% | 1.17% | 0.78% | 1.21% | 0.83% | 1.09% | 0.45% | 0.36% | -85 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 | 0.27% | 0.16% | 0.38% | 0.32% | 0.33% | 0.32% | 0.39% | 0.32% | 0 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 18.07% | 17.83% | 18.44% | 18.27% | 18.19% | 18.32% | 18.71% | 19.29% | +102 bps | |
| Net Worth / Assets | 18.07% | 17.83% | 18.44% | 18.27% | 18.19% | 18.32% | 18.71% | 19.29% | +102 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 81.16% | 77.43% | 81.78% | 76.28% | 75.56% | 78.65% | 75.34% | 76.30% | +1 bps | |
| Liquid Assets / Assets | 28.64% | 31.50% | 28.57% | 31.98% | 32.77% | 30.44% | 33.41% | 32.77% | +79 bps | |