Atlanta, GA · Charter 60508
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.
Atlanta, GA · Charter 60508
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 | 0.86% | 0.85% | 0.65% | -0.22% | 0.16% | 0.35% | 0.53% | 0.92% | +114 bps | |
| Return on Equity | 3.56% | 3.40% | 2.59% | -0.92% | 0.64% | 1.44% | 2.06% | 3.42% | +434 bps | |
| Net Interest Margin | 4.00% | 3.99% | 3.84% | 3.28% | 3.27% | 3.30% | 3.50% | 3.76% | +48 bps | |
| Efficiency Ratio | 80.28% | 80.70% | 84.80% | 106.06% | 95.72% | 90.58% | 86.77% | 78.40% | -2,766 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 1.39% | 0.02% | -0.82% | 2.57% | 0.76% | 2.87% | -1.19% | -7.79% | -1,036 bps | |
| Loan Growth (YoY) | -0.58% | -8.06% | -6.08% | -2.11% | -1.29% | 5.15% | 4.49% | -1.32% | +78 bps | |
| Share Growth (YoY) | 0.58% | -1.29% | -2.10% | 2.87% | 0.58% | 3.33% | -2.41% | -10.19% | -1,306 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.34% | 0.68% | 1.46% | 0.10% | 1.27% | 0.27% | 0.70% | 0.85% | +75 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 | 3.85% | 3.95% | 3.27% | 3.19% | 3.15% | 2.70% | 2.89% | 3.09% | -10 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 24.22% | 25.04% | 25.06% | 23.92% | 24.32% | 24.62% | 25.90% | 26.78% | +286 bps | |
| Net Worth / Assets | 24.22% | 25.04% | 25.06% | 23.92% | 24.32% | 24.62% | 25.90% | 26.78% | +286 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 58.19% | 56.50% | 57.31% | 55.07% | 57.11% | 57.50% | 61.36% | 60.50% | +544 bps | |
| Liquid Assets / Assets | 39.58% | 43.11% | 42.56% | 41.95% | 42.39% | 45.45% | 45.23% | 45.26% | +331 bps | |