PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Brooks County

Quitman, GA · Charter 23218

Q2 1996

$203KAssets
$127KLoans
$199KShares
n/aNet Worth

Executive Summary

  • Earnings: ROA of 2.77%, down 36 bps year over year.
  • Asset quality: problem loans at 3.15% of loans (-612 bps YoY).
  • Funding: loans stand at 63.83% of shares as of Q2 1996.

Return on Assets (quarter, annualized)

2.77%-36 bps YoY

Net Interest Margin (quarter, annualized)

n/a
n/a

Efficiency Ratio (quarter, annualized)

n/a
n/a

Net Worth / Assets

n/a
n/a

Discrete quarter, annualized.

MetricQ2 1994Q4 1994Q2 1995Q4 1995Q2 1996YoY ΔTrend
Earnings
Return on Assets3.13%3.74%-4.63%-0.48%2.77%-36 bps
Return on Equityn/an/an/an/an/an/an/a
Net Interest Marginn/an/an/an/an/an/an/a
Efficiency Ration/an/an/an/an/an/an/a
Growth
Asset Growth (YoY)n/an/an/an/a-27.66%n/an/a
Loan Growth (YoY)n/an/an/an/a-22.52%n/an/a
Share Growth (YoY)n/an/an/an/a-20.60%n/an/a
Asset Quality
Delinquent Loans / Loans9.27%9.60%4.65%1.78%3.15%-612 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans1.02%1.32%2.10%2.82%4.04%+302 bps
Capital
Risk-Based Capitaln/an/an/an/an/an/an/a
Net Worth / Assetsn/an/an/an/an/an/an/a
Liquidity & Funding
Loans / Shares65.41%84.93%74.22%70.03%63.83%-158 bps
Liquid Assets / Assets25.99%0.00%0.00%0.00%0.00%-2,599 bps