Decatur, GA · Charter 67676
Q4 1999
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 1996 | Q4 1996 | Q2 1997 | Q4 1997 | Q2 1998 | Q4 1998 | Q2 1999 | Q4 1999 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 5.24% | 5.37% | 0.98% | 5.72% | 5.08% | 4.81% | 4.98% | 0.97% | -475 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 | 3.09% | n/a | n/a |
| Efficiency Ratio | n/a | n/a | n/a | n/a | n/a | n/a | n/a | 57.73% | n/a | n/a |
| Growth | ||||||||||
| Asset Growth (YoY) | 7.70% | 14.14% | 13.58% | 12.67% | 12.29% | 20.91% | 26.64% | 20.34% | +767 bps | |
| Loan Growth (YoY) | 55.02% | 27.76% | 18.12% | 10.02% | 20.35% | 21.52% | 26.91% | 30.82% | +2,080 bps | |
| Share Growth (YoY) | 6.18% | 12.97% | 11.88% | 10.58% | 10.49% | 20.65% | 27.45% | 20.84% | +1,026 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 2.70% | 6.13% | 3.36% | 4.19% | 2.07% | 2.31% | 2.44% | 3.00% | -119 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 | 2.30% | 2.50% | 2.22% | 1.12% | 1.03% | 1.02% | 1.28% | 1.55% | +42 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 | 80.58% | 80.12% | 80.59% | 76.08% | 87.77% | 80.70% | 80.25% | 82.36% | +628 bps | |
| Liquid Assets / Assets | 20.64% | 20.92% | 24.03% | 28.38% | 18.09% | 23.94% | 24.79% | 22.39% | -599 bps | |