Atlanta, GA · Charter 67616
Q1 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 | Q2 2002 | Q3 2002 | Q4 2002 | Q1 2003 | Q2 2003 | Q3 2003 | Q4 2003 | Q1 2004 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.55% | 0.69% | 0.70% | -20.17% | -11.19% | -6.91% | -5.84% | -3.33% | +1,684 bps | |
| Return on Equity | 5.27% | 6.15% | 5.95% | -272% | -177.81% | -95.38% | -56.57% | -33.93% | +23,844 bps | |
| Net Interest Margin | 4.98% | 5.29% | 5.40% | 5.87% | 3.98% | 4.50% | 5.45% | 5.02% | -85 bps | |
| Efficiency Ratio | 84.44% | 84.12% | 84.95% | 62.11% | 108.36% | 87.71% | 71.05% | 78.40% | +1,629 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -15.61% | -13.07% | -14.05% | -16.21% | -9.23% | -8.59% | -27.37% | -25.32% | -911 bps | |
| Loan Growth (YoY) | -27.09% | -23.41% | -23.40% | -25.96% | -28.47% | -28.76% | -26.13% | -39.30% | -1,334 bps | |
| Share Growth (YoY) | -17.06% | -14.69% | -15.96% | -13.63% | -4.73% | -4.45% | -26.13% | -27.43% | -1,380 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 3.99% | 5.07% | 12.46% | 10.50% | 12.25% | 21.33% | 25.71% | 31.32% | +2,082 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 | 2.32% | 1.95% | 2.10% | 8.65% | 10.00% | 10.32% | 11.86% | 18.01% | +935 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 10.42% | 11.20% | 11.73% | 7.41% | 6.29% | 7.25% | 10.32% | 9.81% | +241 bps | |
| Net Worth / Assets | 10.42% | 11.20% | 11.73% | 7.41% | 6.29% | 7.25% | 10.32% | 9.81% | +241 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 75.63% | 78.19% | 75.51% | 69.53% | 56.78% | 58.30% | 75.51% | 58.16% | -1,137 bps | |
| Liquid Assets / Assets | 27.57% | 25.43% | 26.06% | 37.40% | 45.28% | 44.92% | 36.81% | 53.45% | +1,605 bps | |