Atlanta, GA · Charter 5034
Q4 1998
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 1995 | Q4 1995 | Q2 1996 | Q4 1996 | Q2 1997 | Q4 1997 | Q2 1998 | Q4 1998 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 4.29% | 4.27% | 3.69% | 3.75% | 4.21% | 3.31% | 1.48% | 1.91% | -184 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Net Interest Margin | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Efficiency Ratio | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Growth | ||||||||||
| Asset Growth (YoY) | n/a | n/a | 14.91% | 20.32% | 16.62% | 8.12% | -6.04% | -22.68% | -4,300 bps | |
| Loan Growth (YoY) | n/a | n/a | 69.19% | 65.40% | 31.94% | 7.78% | -15.24% | -36.01% | -10,142 bps | |
| Share Growth (YoY) | n/a | n/a | 16.93% | 21.38% | 27.57% | 9.99% | -1.74% | -16.43% | -3,780 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.41% | 1.12% | 1.31% | 1.97% | 5.33% | 6.18% | 8.09% | 8.87% | +690 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 | 1.23% | 1.03% | 0.76% | 0.66% | 0.66% | 1.64% | 2.34% | 1.92% | +126 bps | |
| Capital | ||||||||||
| Risk-Based Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Net Worth / Assets | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 88.62% | 88.40% | 92.92% | 101.29% | 91.66% | 86.62% | 80.15% | 77.55% | -2,374 bps | |
| Liquid Assets / Assets | 18.40% | 8.71% | 3.75% | 2.18% | 7.56% | 12.14% | 18.63% | 21.33% | +1,914 bps | |