Decatur, AL · Charter 68544
Q4 2006
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 | Q4 2005 | Q1 2006 | Q2 2006 | Q3 2006 | Q4 2006 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.78% | 0.81% | 0.61% | 0.85% | 0.75% | -3 bps | |
| Return on Equity | 6.82% | 7.17% | 5.37% | 6.98% | 6.22% | -61 bps | |
| Net Interest Margin | 3.90% | 4.13% | 3.94% | 4.16% | 4.06% | +16 bps | |
| Efficiency Ratio | 82.37% | 81.91% | 85.60% | 81.53% | 83.19% | +82 bps | |
| Growth | |||||||
| Asset Growth (YoY) | n/a | n/a | n/a | n/a | 1.17% | n/a | n/a |
| Loan Growth (YoY) | n/a | n/a | n/a | n/a | 3.41% | n/a | n/a |
| Share Growth (YoY) | n/a | n/a | n/a | n/a | 0.37% | n/a | n/a |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.74% | 0.59% | 0.46% | 0.82% | 1.12% | +38 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.82% | 0.74% | 0.72% | 0.72% | 0.74% | -7 bps | |
| Capital | |||||||
| Risk-Based Capital | 11.44% | 11.23% | 11.45% | 12.14% | 12.06% | +62 bps | |
| Net Worth / Assets | 11.44% | 11.23% | 11.45% | 12.14% | 12.06% | +62 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 80.90% | 79.58% | 83.35% | 85.81% | 83.35% | +245 bps | |
| Liquid Assets / Assets | 25.95% | 26.96% | 0.00% | 0.00% | 0.00% | -2,595 bps | |