Waycross, GA · Charter 22145
Q2 2001
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q4 1997 | Q2 1998 | Q4 1998 | Q2 1999 | Q4 1999 | Q2 2000 | Q4 2000 | Q2 2001 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 3.29% | 0.58% | 1.49% | -1.08% | 1.78% | 1.95% | 1.57% | -36.54% | -3,546 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | n/a | n/a | 4.90% | -36.60% | n/a | |
| Net Interest Margin | n/a | n/a | n/a | n/a | 14.03% | 8.52% | 12.92% | 8.61% | n/a | |
| Efficiency Ratio | n/a | n/a | n/a | n/a | 48.52% | 65.58% | 73.86% | 221% | n/a | |
| Growth | ||||||||||
| Asset Growth (YoY) | 21.15% | 20.11% | 9.56% | -15.44% | -20.50% | -17.13% | -46.63% | -69.35% | -5,391 bps | |
| Loan Growth (YoY) | 28.03% | 40.42% | -0.03% | -8.56% | -26.16% | -31.92% | -45.01% | -100.00% | -9,144 bps | |
| Share Growth (YoY) | 18.64% | 15.34% | 5.25% | -21.64% | -29.47% | -25.81% | -60.18% | -86.29% | -6,465 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 4.19% | 3.99% | 4.85% | 4.13% | 2.15% | 0.14% | 0.00% | 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 | 1.29% | 4.20% | 3.46% | 8.17% | 9.18% | 8.67% | 11.72% | n/a | n/a | |
| Capital | ||||||||||
| Risk-Based Capital | n/a | n/a | n/a | n/a | n/a | n/a | 32.08% | 99.84% | n/a | |
| Net Worth / Assets | n/a | n/a | n/a | n/a | n/a | n/a | 32.08% | 99.84% | n/a | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 90.55% | 76.57% | 82.65% | 99.61% | 94.80% | 70.27% | 114.14% | 0.00% | -9,961 bps | |
| Liquid Assets / Assets | 14.17% | 27.58% | 25.66% | 18.89% | 21.11% | 34.39% | 35.76% | 98.02% | +7,913 bps | |