East Point, GA · Charter 67595
Q2 2002
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2002, the quarter ended June 30, 2002, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
No peer standings are published for this institution and quarter.
Peer groups below the disclosure floor are suppressed.
East Point, GA · Charter 67595
Q2 2002
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 1998 | Q2 1999 | Q4 1999 | Q2 2000 | Q4 2000 | Q2 2001 | Q4 2001 | Q2 2002 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 4.20% | 4.44% | 0.20% | -2.12% | -1.56% | 0.76% | -0.14% | -0.84% | +128 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | -18.18% | 9.28% | -2.06% | -11.70% | n/a | |
| Net Interest Margin | n/a | n/a | 6.92% | 7.10% | 6.53% | 6.40% | 5.93% | 7.85% | +75 bps | |
| Efficiency Ratio | n/a | n/a | 97.39% | 101.13% | 99.60% | 72.45% | 65.91% | 93.03% | -809 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 18.55% | 9.60% | 4.22% | 4.38% | 9.59% | 14.19% | 34.89% | 23.40% | +1,902 bps | |
| Loan Growth (YoY) | 16.79% | 8.90% | -1.83% | 14.66% | 6.93% | 7.32% | 31.57% | 4.96% | -970 bps | |
| Share Growth (YoY) | 17.16% | 8.04% | 3.81% | 4.87% | 12.51% | 17.28% | 42.13% | 28.05% | +2,318 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 6.33% | 2.52% | 8.85% | 7.22% | 11.13% | 6.78% | 5.65% | 5.03% | -219 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 | 2.74% | 2.15% | 2.03% | 1.68% | 1.84% | 2.31% | 3.26% | 0.93% | -75 bps | |
| Capital | ||||||||||
| Risk-Based Capital | n/a | n/a | n/a | n/a | 8.60% | 8.19% | 6.78% | 7.19% | n/a | |
| Net Worth / Assets | n/a | n/a | n/a | n/a | 8.60% | 8.19% | 6.78% | 7.19% | n/a | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 100.17% | 97.16% | 94.80% | 100.03% | 95.20% | 88.91% | 87.76% | 81.99% | -1,804 bps | |
| Liquid Assets / Assets | 12.10% | 9.65% | 15.07% | 6.80% | 14.66% | 18.45% | 12.35% | 21.25% | +1,445 bps | |