Montezuma, GA · Charter 61418
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 | 4.77% | 4.59% | 4.74% | 4.47% | 0.01% | 0.02% | 0.01% | 0.04% | -443 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | n/a | n/a | 0.16% | 0.41% | n/a | |
| Net Interest Margin | n/a | n/a | n/a | n/a | 0.64% | 0.78% | 0.88% | 0.92% | n/a | |
| Efficiency Ratio | n/a | n/a | n/a | n/a | 99.45% | 98.90% | 99.12% | 97.50% | n/a | |
| Growth | ||||||||||
| Asset Growth (YoY) | -19.45% | -3.30% | -3.15% | -1.79% | -11.27% | -26.08% | -18.06% | -22.53% | -2,074 bps | |
| Loan Growth (YoY) | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Share Growth (YoY) | -20.57% | -3.28% | -3.31% | -1.87% | -12.12% | -27.75% | -19.45% | -24.26% | -2,239 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| 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 | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Capital | ||||||||||
| Risk-Based Capital | n/a | n/a | n/a | n/a | n/a | n/a | 8.58% | 9.11% | n/a | |
| Net Worth / Assets | n/a | n/a | n/a | n/a | n/a | n/a | 8.58% | 9.11% | n/a | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Liquid Assets / Assets | 73.16% | 98.59% | 98.37% | 98.47% | 98.43% | 98.72% | 98.62% | 98.74% | +28 bps | |