Athens, GA · Charter 67405
Q2 2004
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 | Q3 2002 | Q4 2002 | Q1 2003 | Q2 2003 | Q3 2003 | Q4 2003 | Q1 2004 | Q2 2004 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.35% | 0.28% | 0.67% | 0.55% | 0.36% | 0.48% | 0.19% | 0.20% | -36 bps | |
| Return on Equity | 4.28% | 2.99% | 7.68% | 7.01% | 4.62% | 5.27% | 2.39% | 2.53% | -448 bps | |
| Net Interest Margin | 3.59% | 4.28% | 3.75% | 3.29% | 3.16% | 3.90% | 3.33% | 3.23% | -6 bps | |
| Efficiency Ratio | 73.92% | 73.44% | 76.17% | 77.01% | 82.90% | 79.38% | 77.37% | 80.81% | +380 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 37.99% | 5.33% | 23.49% | 12.70% | 9.90% | 7.93% | 12.01% | 4.95% | -776 bps | |
| Loan Growth (YoY) | -6.69% | 6.47% | -2.09% | -3.68% | 0.49% | 12.35% | 17.09% | 6.65% | +1,033 bps | |
| Share Growth (YoY) | 48.08% | 5.12% | 24.66% | 13.29% | 10.24% | 8.24% | 12.91% | 5.24% | -805 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.19% | 0.00% | 3.32% | 3.02% | 3.65% | 3.19% | 3.57% | 4.47% | +145 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 | 1.87% | 2.10% | 2.34% | 2.14% | 2.26% | 1.96% | 2.23% | 2.48% | +34 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 8.16% | 9.45% | 8.69% | 7.91% | 7.76% | 9.20% | 8.05% | 7.73% | -18 bps | |
| Net Worth / Assets | 8.16% | 9.45% | 8.69% | 7.91% | 7.76% | 9.20% | 8.05% | 7.73% | -18 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 61.93% | 73.89% | 63.09% | 58.62% | 56.45% | 76.70% | 65.43% | 59.41% | +79 bps | |
| Liquid Assets / Assets | 43.09% | 33.09% | 42.49% | 45.44% | 47.65% | 29.86% | 39.71% | 44.91% | -53 bps | |