Atlanta, GA · Charter 67387
Q3 2005
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 2003 | Q1 2004 | Q2 2004 | Q3 2004 | Q4 2004 | Q1 2005 | Q2 2005 | Q3 2005 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.87% | 0.67% | 0.61% | 0.58% | 0.45% | 0.84% | 0.76% | 1.01% | +43 bps | |
| Return on Equity | 7.21% | 5.68% | 5.08% | 4.85% | 3.55% | 6.56% | 5.88% | 7.23% | +238 bps | |
| Net Interest Margin | 4.57% | 4.24% | 4.20% | 4.14% | 4.47% | 4.09% | 4.18% | 4.45% | +31 bps | |
| Efficiency Ratio | 70.17% | 74.27% | 74.25% | 73.53% | 75.07% | 73.12% | 75.26% | 72.00% | -153 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 4.98% | 3.14% | -2.67% | 0.01% | -2.49% | -3.61% | -4.44% | -9.83% | -984 bps | |
| Loan Growth (YoY) | -4.21% | -5.00% | -4.73% | -10.29% | -4.60% | -6.32% | -8.02% | -10.67% | -37 bps | |
| Share Growth (YoY) | 4.57% | 3.55% | -3.83% | -0.69% | -3.35% | -4.71% | -5.75% | -12.03% | -1,133 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.19% | 0.77% | 0.66% | 1.50% | 0.98% | 1.12% | 2.33% | 2.17% | +68 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 | 1.13% | 1.08% | 1.18% | 1.20% | 1.53% | 1.61% | 1.83% | 2.00% | +80 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 12.02% | 11.83% | 11.92% | 11.92% | 12.78% | 12.75% | 12.99% | 13.97% | +205 bps | |
| Net Worth / Assets | 12.02% | 11.83% | 11.92% | 11.92% | 12.78% | 12.75% | 12.99% | 13.97% | +205 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 71.49% | 66.98% | 66.26% | 63.53% | 70.57% | 65.85% | 64.66% | 64.51% | +98 bps | |
| Liquid Assets / Assets | 30.88% | 34.61% | 34.78% | 37.17% | 32.45% | 38.47% | 42.74% | 43.60% | +642 bps | |