Columbus, GA · Charter 24652
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.
Columbus, GA · Charter 24652
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 | 4.52% | -0.72% | -1.53% | 11.27% | -1.41% | -20.34% | -24.76% | -24.66% | -3,593 bps | |
| Return on Equity | 85.27% | -28.09% | -60.65% | 219% | -84.82% | n/a | n/a | n/a | n/a | |
| Net Interest Margin | 3.48% | 3.46% | 4.57% | 5.08% | 5.17% | 4.56% | 5.93% | 5.06% | -2 bps | |
| Efficiency Ratio | 62.57% | 79.80% | 86.79% | 26.29% | 56.86% | 82.40% | 98.07% | 295% | +26,833 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 5.69% | 4.55% | -24.67% | -17.93% | -20.76% | -9.09% | -10.08% | -22.64% | -471 bps | |
| Loan Growth (YoY) | 194.12% | 78.62% | 73.98% | 60.13% | 39.64% | 29.93% | 7.24% | -29.99% | -9,012 bps | |
| Share Growth (YoY) | 7.16% | 6.30% | -23.75% | -21.35% | -17.59% | 6.30% | 13.08% | 1.37% | +2,272 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 12.35% | 9.51% | 12.01% | 16.70% | 31.20% | 44.48% | 42.55% | 31.46% | +1,477 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 | 3.86% | 5.02% | 1.97% | 1.45% | 5.52% | 29.34% | 28.41% | 1.50% | +5 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 5.30% | 2.55% | 2.52% | 5.14% | 1.66% | -13.12% | -21.97% | -23.70% | -2,884 bps | |
| Net Worth / Assets | 5.30% | 2.55% | 2.52% | 5.14% | 1.66% | -13.12% | -21.97% | -23.70% | -2,884 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 39.63% | 40.48% | 65.78% | 67.18% | 67.15% | 49.47% | 62.39% | 46.40% | -2,078 bps | |
| Liquid Assets / Assets | 49.53% | 47.14% | 30.60% | 32.15% | 32.46% | 57.47% | 42.15% | 41.66% | +952 bps | |