Phenix City, AL · Charter 61991
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 | 0.05% | 0.05% | -0.16% | 0.62% | -1.64% | -1.33% | -1.72% | -1.00% | -162 bps | |
| Return on Equity | 0.45% | 0.50% | -1.31% | 4.54% | -14.13% | -11.58% | -13.87% | -7.18% | -1,172 bps | |
| Net Interest Margin | 6.67% | 6.81% | 7.27% | 8.28% | 6.60% | 6.25% | 6.75% | 6.12% | -216 bps | |
| Efficiency Ratio | 99.36% | 99.28% | 101.98% | 92.88% | 100.94% | 104.04% | 111.23% | 115.33% | +2,245 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -16.43% | -19.89% | -23.01% | -21.14% | -16.58% | -14.25% | -13.88% | -16.77% | +437 bps | |
| Loan Growth (YoY) | -14.06% | -14.93% | -15.19% | -21.10% | -23.50% | -0.19% | -3.86% | -8.24% | +1,287 bps | |
| Share Growth (YoY) | -18.23% | -21.87% | -25.39% | -23.86% | -17.50% | -19.65% | -21.60% | -16.89% | +697 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.24% | 0.47% | 2.50% | 4.64% | 2.53% | 2.44% | 2.65% | 0.00% | -464 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 | 4.71% | 3.72% | 1.37% | 1.97% | 3.01% | 3.39% | 4.66% | 6.21% | +424 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 10.54% | 10.85% | 12.18% | 13.64% | 11.63% | 11.46% | 12.43% | 13.98% | +34 bps | |
| Net Worth / Assets | 10.54% | 10.85% | 12.18% | 13.64% | 11.63% | 11.46% | 12.43% | 13.98% | +34 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 94.56% | 94.29% | 99.74% | 102.19% | 87.68% | 117.14% | 122.30% | 112.83% | +1,064 bps | |
| Liquid Assets / Assets | 15.72% | 15.25% | 10.92% | 9.11% | 22.33% | 3.09% | 4.70% | 6.45% | -266 bps | |