Augusta, GA · Charter 60951
Q2 2001
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2001, the quarter ended June 30, 2001, 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.
Augusta, GA · Charter 60951
Q2 2001
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 1997 | Q2 1998 | Q4 1998 | Q2 1999 | Q4 1999 | Q2 2000 | Q4 2000 | Q2 2001 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 5.31% | 5.56% | 5.23% | 4.83% | 0.97% | 0.61% | 0.31% | -2.11% | -694 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | n/a | n/a | 1.95% | -12.95% | n/a | |
| Net Interest Margin | n/a | n/a | n/a | n/a | 4.74% | 6.37% | 6.63% | 6.69% | n/a | |
| Efficiency Ratio | n/a | n/a | n/a | n/a | 59.63% | 52.89% | 57.54% | 60.17% | n/a | |
| Growth | ||||||||||
| Asset Growth (YoY) | 6.51% | 10.72% | 15.40% | 15.05% | 10.25% | -11.19% | -25.29% | -33.47% | -4,853 bps | |
| Loan Growth (YoY) | 4.69% | 10.36% | 15.43% | 7.66% | 9.93% | 8.76% | -3.15% | -12.35% | -2,002 bps | |
| Share Growth (YoY) | 6.31% | 10.97% | 17.41% | 16.42% | 10.14% | -21.32% | -29.70% | -37.30% | -5,372 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 4.83% | 5.37% | 7.23% | 7.97% | 4.56% | 4.22% | 8.45% | 9.66% | +170 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 | 4.00% | 3.55% | 3.47% | 3.05% | 2.95% | 3.80% | 4.04% | 6.21% | +316 bps | |
| Capital | ||||||||||
| Risk-Based Capital | n/a | n/a | n/a | n/a | n/a | n/a | 16.09% | 16.28% | n/a | |
| Net Worth / Assets | n/a | n/a | n/a | n/a | n/a | n/a | 16.09% | 16.28% | n/a | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 73.51% | 72.16% | 73.24% | 68.29% | 73.37% | 99.74% | 100.90% | 95.46% | +2,717 bps | |
| Liquid Assets / Assets | 29.02% | 35.05% | 31.81% | 32.91% | 23.07% | 14.78% | 15.18% | 22.73% | -1,018 bps | |