Douglasville, GA · Charter 22147
Q2 2002
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2002, the quarter ended June 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.
Douglasville, GA · Charter 22147
Q2 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 | Q4 1998 | Q2 1999 | Q4 1999 | Q2 2000 | Q4 2000 | Q2 2001 | Q4 2001 | Q2 2002 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 4.28% | 3.70% | 1.24% | 1.30% | 0.58% | 0.77% | 0.81% | 0.37% | -93 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | 5.32% | 7.45% | 9.05% | 3.84% | n/a | |
| Net Interest Margin | n/a | n/a | 5.70% | 6.31% | 6.55% | 5.47% | 4.66% | 5.60% | -71 bps | |
| Efficiency Ratio | n/a | n/a | 75.86% | 77.36% | 74.63% | 81.64% | 79.44% | 76.66% | -70 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 8.86% | 30.05% | 20.37% | 17.89% | 9.27% | 3.21% | 31.30% | 17.94% | +4 bps | |
| Loan Growth (YoY) | 9.56% | 4.91% | 6.96% | 19.37% | 5.71% | 7.19% | 0.26% | -7.81% | -2,719 bps | |
| Share Growth (YoY) | 6.86% | 28.86% | 19.08% | 14.06% | 8.14% | 1.87% | 33.00% | 21.43% | +737 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 4.49% | 4.28% | 6.20% | 4.47% | 3.43% | 4.62% | 5.83% | 1.31% | -316 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 | 1.91% | 2.15% | 1.66% | 1.26% | 1.44% | 1.44% | 1.85% | 1.68% | +41 bps | |
| Capital | ||||||||||
| Risk-Based Capital | n/a | n/a | n/a | n/a | 10.96% | 10.41% | 8.97% | 9.62% | n/a | |
| Net Worth / Assets | n/a | n/a | n/a | n/a | 10.96% | 10.41% | 8.97% | 9.62% | n/a | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 85.23% | 68.80% | 81.55% | 85.36% | 83.31% | 72.39% | 61.48% | 64.80% | -2,056 bps | |
| Liquid Assets / Assets | 0.00% | 19.41% | 14.90% | 10.73% | 21.92% | 31.92% | 39.05% | 30.43% | +1,970 bps | |