Athens, AL · Charter 68327
Q2 2006
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q3 2004 | Q4 2004 | Q1 2005 | Q2 2005 | Q3 2005 | Q4 2005 | Q1 2006 | Q2 2006 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.40% | 0.30% | 0.43% | 0.12% | -0.06% | -0.42% | -1.03% | -1.03% | -116 bps | |
| Return on Equity | 2.47% | 1.85% | 2.64% | 0.72% | -0.34% | -2.55% | -6.25% | -6.08% | -679 bps | |
| Net Interest Margin | 3.57% | 3.45% | 3.50% | 3.45% | 3.40% | 3.27% | 3.57% | 3.63% | +17 bps | |
| Efficiency Ratio | 81.77% | 83.98% | 82.35% | 88.49% | 89.98% | 91.44% | 81.99% | 92.69% | +420 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -2.47% | -1.51% | -0.98% | -6.35% | -4.37% | -4.49% | -5.20% | -6.16% | +20 bps | |
| Loan Growth (YoY) | -0.51% | -5.39% | -8.52% | -8.71% | -10.33% | -5.94% | -7.61% | -9.25% | -54 bps | |
| Share Growth (YoY) | -3.46% | -2.14% | -0.78% | -7.47% | -5.19% | -4.89% | -5.30% | -6.25% | +123 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 7.02% | 8.50% | 4.80% | 3.39% | 4.30% | 10.31% | 7.92% | 6.22% | +282 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 | 1.77% | 1.73% | 1.29% | 0.88% | 0.92% | 1.49% | 0.87% | 1.19% | +30 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 16.08% | 16.16% | 16.43% | 16.93% | 16.79% | 16.50% | 16.53% | 17.01% | +8 bps | |
| Net Worth / Assets | 16.08% | 16.16% | 16.43% | 16.93% | 16.79% | 16.50% | 16.53% | 17.01% | +8 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 58.61% | 56.80% | 56.57% | 58.78% | 55.42% | 56.18% | 55.19% | 56.89% | -188 bps | |
| Liquid Assets / Assets | 45.65% | 47.05% | 26.97% | 16.93% | 42.74% | 30.91% | 34.39% | 0.00% | -1,693 bps | |