Atlanta, GA · Charter 67871
Q1 2005
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2005, the quarter ended March 31, 2005, 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.
Atlanta, GA · Charter 67871
Q1 2005
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 2003 | Q3 2003 | Q4 2003 | Q1 2004 | Q2 2004 | Q3 2004 | Q4 2004 | Q1 2005 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.29% | -0.33% | -0.78% | -2.71% | -2.83% | -3.30% | -7.58% | -10.50% | -779 bps | |
| Return on Equity | -2.76% | -3.23% | -9.51% | -31.06% | -34.04% | -42.97% | -197.65% | -1482% | -145,083 bps | |
| Net Interest Margin | 4.59% | 4.66% | 4.83% | 6.44% | 5.71% | 5.60% | 5.77% | 5.12% | -132 bps | |
| Efficiency Ratio | 104.89% | 103.59% | 111.71% | 131.18% | 119.98% | 133.51% | 191.01% | 261% | +12,991 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 23.04% | 25.24% | 4.59% | -13.05% | -21.19% | -26.34% | -29.05% | -17.68% | -464 bps | |
| Loan Growth (YoY) | -10.75% | -18.97% | -23.74% | -26.52% | -22.81% | -19.99% | -21.56% | -18.20% | +832 bps | |
| Share Growth (YoY) | 26.51% | 30.02% | 12.61% | -11.91% | -17.42% | -22.89% | -26.60% | -11.45% | +46 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 6.97% | 5.74% | 5.11% | 5.55% | 4.10% | 4.04% | 1.75% | 1.83% | -372 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 | 1.95% | 1.75% | 3.63% | 4.39% | 3.18% | 3.11% | 4.71% | 4.37% | -3 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 10.66% | 10.30% | 8.18% | 8.72% | 8.31% | 7.67% | 3.83% | 0.71% | -801 bps | |
| Net Worth / Assets | 10.66% | 10.30% | 8.18% | 8.72% | 8.31% | 7.67% | 3.83% | 0.71% | -801 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 57.58% | 52.52% | 51.36% | 54.88% | 53.82% | 54.50% | 54.89% | 50.69% | -418 bps | |
| Liquid Assets / Assets | 45.18% | 49.56% | 50.06% | 46.72% | 46.07% | 45.31% | 44.89% | 41.05% | -567 bps | |