Dry Branch, GA · Charter 67726
Q3 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 | Q2 1999 | Q4 1999 | Q2 2000 | Q4 2000 | Q2 2001 | Q4 2001 | Q2 2002 | Q3 2002 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 5.17% | 2.06% | 5.04% | 3.51% | 1.12% | 0.99% | -1.04% | -0.45% | -396 bps | |
| Return on Equity | n/a | n/a | n/a | 17.97% | 5.79% | 4.55% | -4.83% | -2.10% | -2,007 bps | |
| Net Interest Margin | n/a | 5.11% | 5.54% | 5.45% | 4.53% | 4.94% | 4.03% | 4.20% | -125 bps | |
| Efficiency Ratio | n/a | 71.83% | 67.76% | 70.45% | 85.26% | 85.93% | 73.94% | 77.42% | +697 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -5.90% | 1.85% | 5.51% | 5.34% | 4.58% | -6.73% | -7.97% | -6.35% | -1,169 bps | |
| Loan Growth (YoY) | -15.63% | 5.09% | 12.14% | 9.74% | 4.80% | -16.36% | -28.71% | -36.10% | -4,584 bps | |
| Share Growth (YoY) | -10.60% | -1.97% | -0.28% | -0.37% | -0.69% | -12.98% | -11.99% | -8.67% | -830 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 2.59% | 3.18% | 1.80% | 1.25% | 4.64% | 7.02% | 6.19% | 8.83% | +758 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 | 5.21% | 4.20% | 2.08% | 2.11% | 2.08% | 2.35% | 2.28% | 2.78% | +67 bps | |
| Capital | ||||||||||
| Risk-Based Capital | n/a | n/a | n/a | 19.51% | 19.36% | 21.66% | 21.54% | 21.54% | +203 bps | |
| Net Worth / Assets | n/a | n/a | n/a | 19.51% | 19.36% | 21.66% | 21.54% | 21.54% | +203 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 77.91% | 83.55% | 83.27% | 90.52% | 82.22% | 80.31% | 67.44% | 63.33% | -2,719 bps | |
| Liquid Assets / Assets | 22.29% | 18.67% | 14.23% | 18.54% | 29.27% | 35.49% | 45.08% | 48.44% | +2,990 bps | |