Ellenwood, GA · Charter 65608
Q4 2004
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 | Q1 2003 | Q2 2003 | Q3 2003 | Q4 2003 | Q1 2004 | Q2 2004 | Q3 2004 | Q4 2004 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.05% | 1.06% | 1.09% | 1.00% | 0.38% | 0.59% | 0.81% | -6.29% | -729 bps | |
| Return on Equity | 6.09% | 6.11% | 6.09% | 5.55% | 2.15% | 3.29% | 4.38% | -52.95% | -5,849 bps | |
| Net Interest Margin | 3.76% | 3.68% | 3.70% | 3.68% | 3.42% | 3.44% | 3.49% | -2.04% | -572 bps | |
| Efficiency Ratio | 76.70% | 75.71% | 75.31% | 77.77% | 86.40% | 84.09% | 80.28% | n/a | n/a | |
| Growth | ||||||||||
| Asset Growth (YoY) | 3.35% | -1.85% | 1.37% | 3.04% | 1.73% | 0.30% | 0.65% | -0.95% | -398 bps | |
| Loan Growth (YoY) | -18.92% | -12.43% | -9.30% | -9.07% | -5.37% | -3.19% | -1.12% | -3.07% | +601 bps | |
| Share Growth (YoY) | 2.72% | -3.30% | 0.55% | 2.52% | 1.15% | -0.50% | -0.15% | 6.44% | +393 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.09% | 1.35% | 1.39% | 0.64% | 0.85% | 0.93% | 1.38% | 1.74% | +110 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 | 1.91% | 1.86% | 1.92% | 1.75% | 1.79% | 1.66% | 1.60% | 1.90% | +14 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 17.22% | 17.38% | 17.82% | 18.00% | 17.75% | 18.08% | 18.49% | 11.88% | -612 bps | |
| Net Worth / Assets | 17.22% | 17.38% | 17.82% | 18.00% | 17.75% | 18.08% | 18.49% | 11.88% | -612 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 47.54% | 47.04% | 47.63% | 46.65% | 44.48% | 45.77% | 47.17% | 42.48% | -417 bps | |
| Liquid Assets / Assets | 41.49% | 42.58% | 41.13% | 40.74% | 39.05% | 41.19% | 44.48% | 48.43% | +769 bps | |