Jonesboro, GA · Charter 67384
Q2 2005
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q3 2003 | Q4 2003 | Q1 2004 | Q2 2004 | Q3 2004 | Q4 2004 | Q1 2005 | Q2 2005 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.11% | 1.21% | 0.68% | 0.75% | 0.67% | 0.77% | 0.32% | -0.33% | -109 bps | |
| Return on Equity | 8.35% | 8.64% | 4.90% | 5.35% | 4.67% | 5.05% | 2.15% | -2.20% | -755 bps | |
| Net Interest Margin | 2.43% | 2.50% | 2.27% | 2.21% | 2.18% | 2.32% | 2.21% | 2.54% | +33 bps | |
| Efficiency Ratio | 68.64% | 67.53% | 81.05% | 78.38% | 69.47% | 68.07% | 78.05% | 86.23% | +785 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 7.95% | 4.47% | 2.77% | 0.46% | -2.12% | -2.83% | -2.72% | -6.90% | -735 bps | |
| Loan Growth (YoY) | -7.69% | -8.84% | -8.99% | -10.65% | -7.18% | -7.14% | -3.49% | 0.29% | +1,094 bps | |
| Share Growth (YoY) | 7.69% | 3.78% | 1.91% | -0.56% | -3.37% | -4.15% | -3.73% | -8.30% | -773 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.98% | 0.68% | 0.53% | 0.43% | 0.43% | 1.03% | 0.79% | 1.02% | +59 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 | 0.66% | 0.71% | 0.78% | 0.90% | 0.92% | 1.04% | 1.15% | 1.56% | +66 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 13.33% | 14.00% | 13.88% | 14.08% | 14.44% | 15.18% | 14.78% | 15.21% | +113 bps | |
| Net Worth / Assets | 13.33% | 14.00% | 13.88% | 14.08% | 14.44% | 15.18% | 14.78% | 15.21% | +113 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 33.45% | 34.32% | 32.03% | 31.12% | 32.13% | 33.25% | 32.11% | 34.03% | +291 bps | |
| Liquid Assets / Assets | 66.74% | 65.66% | 68.16% | 68.96% | 67.83% | 66.80% | 68.58% | 67.45% | -151 bps | |