Macon, GA · Charter 23076
Q1 2004
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2004, the quarter ended March 31, 2004, 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 23076
Q1 2004
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 2002 | Q3 2002 | Q4 2002 | Q1 2003 | Q2 2003 | Q3 2003 | Q4 2003 | Q1 2004 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -1.44% | -9.45% | -7.75% | 2.31% | 1.59% | -0.28% | -6.10% | 6.51% | +420 bps | |
| Return on Equity | -11.27% | -172.43% | -97.42% | 31.62% | 20.77% | -3.99% | -297% | 187.60% | +15,598 bps | |
| Net Interest Margin | 5.81% | 6.15% | 5.97% | 6.56% | 6.22% | 6.87% | 7.56% | 8.36% | +180 bps | |
| Efficiency Ratio | 119.58% | 208% | 189.73% | 51.55% | 52.90% | 51.60% | 76.37% | -173.30% | -22,485 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -7.68% | -9.15% | -14.22% | -0.44% | -1.63% | 2.11% | -2.40% | -13.75% | -1,331 bps | |
| Loan Growth (YoY) | -36.73% | -26.73% | -0.47% | 45.95% | 48.41% | 30.19% | 17.03% | -22.51% | -6,847 bps | |
| Share Growth (YoY) | -7.98% | -2.51% | -9.17% | -0.59% | 3.61% | -0.98% | 4.07% | -2.71% | -212 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 5.45% | 10.21% | 12.47% | 7.88% | 10.25% | 14.37% | 14.97% | 7.14% | -74 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 | 3.22% | 4.66% | 2.38% | 2.20% | 3.03% | 5.20% | 8.58% | 7.56% | +536 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 12.78% | 5.48% | 7.96% | 7.31% | 7.67% | 6.99% | 2.05% | 3.47% | -384 bps | |
| Net Worth / Assets | 12.78% | 5.48% | 7.96% | 7.31% | 7.67% | 6.99% | 2.05% | 3.47% | -384 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 67.74% | 72.86% | 89.83% | 109.45% | 97.03% | 95.79% | 101.02% | 87.17% | -2,228 bps | |
| Liquid Assets / Assets | 39.78% | 30.62% | 14.56% | 4.50% | 10.12% | 16.14% | 5.97% | 18.86% | +1,436 bps | |