Gordon, GA · Charter 67377
Q2 1999
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q4 1995 | Q2 1996 | Q4 1996 | Q2 1997 | Q4 1997 | Q2 1998 | Q4 1998 | Q2 1999 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 6.01% | 6.62% | 6.62% | 7.18% | 6.52% | 6.01% | 5.67% | 5.35% | -183 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 | 9.00% | 14.56% | 11.08% | 25.01% | 29.39% | 27.32% | 40.54% | +2,946 bps | |
| Loan Growth (YoY) | n/a | 105.85% | 105.78% | 83.21% | 48.55% | 31.71% | 32.72% | 10.42% | -7,278 bps | |
| Share Growth (YoY) | n/a | 7.10% | 12.18% | 7.24% | 22.06% | 28.28% | 26.80% | 43.02% | +3,578 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.18% | 1.67% | 1.18% | 1.03% | 0.52% | 2.17% | 1.50% | 1.18% | +15 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 | 3.73% | 3.07% | 2.46% | 1.52% | 1.21% | 1.28% | 1.20% | 1.17% | -35 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 | 51.14% | 51.43% | 56.45% | 61.98% | 62.23% | 52.80% | 59.08% | 47.85% | -1,413 bps | |
| Liquid Assets / Assets | 15.74% | 14.18% | 9.49% | 12.72% | 14.64% | 16.07% | 17.34% | 23.79% | +1,107 bps | |