Savannah, GA · Charter 67362
Q4 1996
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 1996, the quarter ended December 31, 1996, 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.
Savannah, GA · Charter 67362
Q4 1996
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 1994 | Q4 1994 | Q2 1995 | Q4 1995 | Q2 1996 | Q4 1996 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 3.01% | 2.98% | 2.15% | 4.15% | 1.18% | 0.91% | -207 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Net Interest Margin | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Efficiency Ratio | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Growth | ||||||||
| Asset Growth (YoY) | n/a | n/a | n/a | n/a | -39.92% | -18.03% | n/a | |
| Loan Growth (YoY) | n/a | n/a | n/a | n/a | -19.16% | -17.95% | n/a | |
| Share Growth (YoY) | n/a | n/a | n/a | n/a | -52.36% | -25.31% | n/a | |
| Asset Quality | ||||||||
| Delinquent Loans / Loans | 13.92% | 6.58% | 4.94% | 4.22% | 21.70% | 18.52% | +1,194 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 2.37% | 3.02% | 3.30% | 1.61% | 1.64% | 2.49% | -53 bps | |
| Capital | ||||||||
| Risk-Based Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Net Worth / Assets | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Liquidity & Funding | ||||||||
| Loans / Shares | 50.13% | 69.57% | 62.68% | 84.53% | 85.06% | 76.42% | +685 bps | |
| Liquid Assets / Assets | 51.93% | 38.38% | 38.14% | 38.01% | 38.91% | 49.22% | +1,085 bps | |