Cornelia, GA · Charter 67369
Q2 1999
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 1995 | Q2 1996 | Q4 1996 | Q2 1997 | Q4 1997 | Q2 1998 | Q4 1998 | Q2 1999 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 4.66% | 4.68% | 5.56% | 5.23% | 4.85% | 4.27% | 4.03% | -0.10% | -534 bps | |
| Return on Equity | n/a | n/a | 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 | n/a | n/a |
| Efficiency Ratio | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Growth | ||||||||||
| Asset Growth (YoY) | n/a | 19.55% | 5.72% | 13.24% | 12.29% | 3.69% | 9.19% | -30.58% | -4,382 bps | |
| Loan Growth (YoY) | n/a | 31.17% | -0.45% | -6.89% | -11.77% | -17.52% | -30.54% | -54.61% | -4,772 bps | |
| Share Growth (YoY) | n/a | 19.59% | 2.55% | 10.54% | 10.28% | 1.59% | 9.14% | -31.84% | -4,238 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.25% | 0.80% | 1.31% | 1.76% | 2.98% | 0.47% | 1.64% | 2.77% | +101 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 | 1.05% | 1.06% | 1.11% | 1.13% | 1.00% | 0.27% | 1.17% | 5.34% | +420 bps | |
| Capital | ||||||||||
| Risk-Based Capital | n/a | n/a | 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 | n/a | n/a |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 82.66% | 71.15% | 76.96% | 68.57% | 66.13% | 57.77% | 48.98% | 45.67% | -2,290 bps | |
| Liquid Assets / Assets | 20.66% | 30.39% | 27.01% | 33.32% | 36.29% | 36.74% | 50.51% | 48.08% | +1,477 bps | |