Savannah, GA · Charter 6951
Q2 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 | Q3 2004 | Q4 2004 | Q1 2005 | Q2 2005 | Q3 2005 | Q4 2005 | Q1 2006 | Q2 2006 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.69% | -0.85% | -0.42% | -1.93% | -1.22% | -1.19% | 0.33% | -2.51% | -58 bps | |
| Return on Equity | -3.81% | -4.73% | -2.66% | -12.07% | -7.48% | -6.62% | 1.90% | -19.49% | -742 bps | |
| Net Interest Margin | 4.36% | 4.47% | 4.19% | 4.50% | 4.64% | 5.20% | 5.50% | 0.95% | -355 bps | |
| Efficiency Ratio | 109.88% | 111.72% | 106.55% | 121.83% | 117.54% | 112.05% | 95.82% | 278% | +15,624 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 0.48% | -0.69% | 11.86% | 2.41% | 2.85% | -6.24% | -14.59% | -4.28% | -669 bps | |
| Loan Growth (YoY) | 2.41% | 3.33% | 5.94% | 1.56% | -0.43% | -1.77% | 2.01% | 1.05% | -50 bps | |
| Share Growth (YoY) | 2.06% | 0.74% | 16.05% | 5.01% | 4.74% | -6.50% | -16.65% | -0.79% | -580 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.17% | 1.52% | 1.25% | 0.86% | 2.09% | 1.54% | 1.51% | 0.21% | -65 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 | 0.59% | 0.61% | 0.62% | 0.77% | 0.74% | 0.71% | 0.83% | 0.03% | -74 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 18.06% | 17.89% | 15.86% | 16.00% | 16.33% | 17.89% | 17.61% | 12.90% | -310 bps | |
| Net Worth / Assets | 18.06% | 17.89% | 15.86% | 16.00% | 16.33% | 17.89% | 17.61% | 12.90% | -310 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 66.61% | 67.85% | 56.87% | 57.78% | 63.33% | 71.28% | 69.61% | 58.85% | +107 bps | |
| Liquid Assets / Assets | 37.91% | 37.80% | 45.93% | 44.44% | 41.63% | 35.56% | 38.19% | 0.00% | -4,444 bps | |