Atlanta, GA · Charter 60108
Q3 1997
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 1995 | Q1 1996 | Q2 1996 | Q3 1996 | Q4 1996 | Q1 1997 | Q2 1997 | Q3 1997 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 4.23% | 3.75% | 3.75% | n/a | 3.91% | 3.93% | 3.72% | 3.56% | n/a | |
| 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) | 12.27% | 15.19% | 14.85% | 11.52% | 6.83% | 3.47% | 1.47% | 1.51% | -1,000 bps | |
| Loan Growth (YoY) | 7.18% | 1.67% | 1.41% | 2.24% | 1.19% | -0.75% | -1.39% | -2.30% | -454 bps | |
| Share Growth (YoY) | 11.06% | 14.56% | 14.43% | 11.22% | 6.29% | 3.03% | 0.98% | 1.06% | -1,015 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.91% | 0.93% | 0.54% | 0.83% | 0.80% | 0.94% | 0.77% | 1.02% | +19 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 | 1.00% | 1.09% | 1.06% | 1.20% | 1.01% | 1.07% | 1.01% | 1.00% | -20 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 | 76.99% | 71.39% | 70.99% | 71.73% | 73.30% | 68.77% | 69.32% | 69.34% | -239 bps | |
| Liquid Assets / Assets | 21.51% | 23.20% | 22.71% | 22.21% | 19.98% | 31.42% | 32.31% | 32.33% | +1,012 bps | |