Columbus, GA · Charter 67647
Q2 1998
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 1994 | Q2 1995 | Q4 1995 | Q2 1996 | Q4 1996 | Q2 1997 | Q4 1997 | Q2 1998 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 4.87% | 4.76% | 4.75% | -3.75% | -2.40% | 3.95% | 4.13% | 3.87% | +762 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Net Interest Margin | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Efficiency Ratio | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Growth | ||||||||||
| Asset Growth (YoY) | n/a | n/a | n/a | 19.12% | -2.46% | -15.88% | -25.23% | -20.58% | -3,970 bps | |
| Loan Growth (YoY) | n/a | n/a | n/a | 13.30% | -1.54% | -23.64% | -29.32% | -31.84% | -4,514 bps | |
| Share Growth (YoY) | n/a | n/a | n/a | 25.05% | 14.55% | -1.78% | -11.40% | -19.70% | -4,474 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.98% | 1.55% | 1.77% | 4.34% | 2.60% | 3.98% | 5.08% | 7.30% | +296 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 | 1.76% | 1.71% | 1.33% | 2.79% | 1.53% | 2.11% | 2.06% | 2.14% | -65 bps | |
| Capital | ||||||||||
| Risk-Based Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Net Worth / Assets | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 85.91% | 82.69% | 82.00% | 73.63% | 73.84% | 64.28% | 65.42% | 62.50% | -1,113 bps | |
| Liquid Assets / Assets | 20.03% | 23.86% | 23.01% | 16.86% | 9.81% | 25.32% | 24.24% | 36.73% | +1,986 bps | |