Albany, GA · Charter 6020
Q2 2000
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 1996 | Q2 1997 | Q4 1997 | Q2 1998 | Q4 1998 | Q2 1999 | Q4 1999 | Q2 2000 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 4.73% | 4.13% | 4.41% | 3.95% | 4.15% | 4.14% | 0.12% | 1.03% | -292 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 | 3.95% | 3.41% | n/a | |
| Efficiency Ratio | n/a | n/a | n/a | n/a | n/a | n/a | 71.84% | 65.08% | n/a | |
| Growth | ||||||||||
| Asset Growth (YoY) | -14.33% | -15.00% | -6.16% | -11.63% | -13.80% | -5.33% | -4.12% | -0.75% | +1,088 bps | |
| Loan Growth (YoY) | -20.75% | -22.68% | -21.21% | -20.18% | -20.56% | -20.42% | -17.41% | -7.67% | +1,252 bps | |
| Share Growth (YoY) | -14.80% | -15.46% | -8.20% | -13.18% | -16.18% | -6.70% | -4.47% | -0.04% | +1,314 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 8.65% | 9.42% | 10.27% | 6.94% | 5.06% | 8.44% | 6.37% | 6.84% | -10 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 | 3.96% | 3.96% | 2.42% | 3.36% | 2.85% | 2.52% | 3.75% | 0.78% | -259 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 | 78.27% | 75.49% | 75.04% | 73.66% | 74.18% | 64.39% | 64.88% | 68.04% | -562 bps | |
| Liquid Assets / Assets | 16.00% | 31.03% | 28.63% | 25.86% | 26.18% | 37.62% | 37.13% | 37.54% | +1,167 bps | |