McIntyre, GA · Charter 67699
Q2 2004
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2004, the quarter ended June 30, 2004, 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.
McIntyre, GA · Charter 67699
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 | 0.77% | 0.46% | 0.06% | -1.73% | -2.74% | -1.80% | -0.43% | -0.69% | +104 bps | |
| Return on Equity | 2.91% | 1.90% | 0.22% | -6.39% | -10.64% | -6.56% | -1.89% | -3.08% | +331 bps | |
| Net Interest Margin | 4.71% | 4.22% | 6.34% | 6.36% | 5.63% | 6.32% | 5.70% | 5.68% | -68 bps | |
| Efficiency Ratio | 88.63% | 92.69% | 99.14% | 122.28% | 135.33% | 120.26% | 106.25% | 109.93% | -1,235 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 11.76% | 22.17% | 7.05% | -7.25% | -9.68% | -20.75% | 8.91% | 13.39% | +2,064 bps | |
| Loan Growth (YoY) | 21.87% | 99.15% | 46.50% | 26.80% | 1.20% | -5.52% | 19.77% | 14.57% | -1,224 bps | |
| Share Growth (YoY) | 14.05% | 17.85% | 9.56% | -8.55% | -9.24% | -14.45% | 16.68% | 21.65% | +3,020 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.71% | 0.52% | 0.59% | 1.31% | 0.05% | 0.71% | 1.09% | 1.15% | -17 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 | 5.13% | 3.56% | 5.51% | 4.01% | 3.40% | 2.98% | 2.83% | 3.13% | -89 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 26.35% | 24.24% | 27.14% | 27.08% | 25.80% | 27.49% | 22.80% | 22.33% | -475 bps | |
| Net Worth / Assets | 26.35% | 24.24% | 27.14% | 27.08% | 25.80% | 27.49% | 22.80% | 22.33% | -475 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 62.64% | 78.10% | 69.36% | 67.23% | 69.84% | 86.25% | 71.20% | 63.31% | -391 bps | |
| Liquid Assets / Assets | 52.48% | 46.64% | 48.47% | 48.92% | 46.66% | 36.28% | 43.77% | 49.58% | +67 bps | |