Atlanta, GA · Charter 9835
Q2 2003
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2003, the quarter ended June 30, 2003, 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 9835
Q2 2003
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 2000 | Q2 2001 | Q4 2001 | Q2 2002 | Q3 2002 | Q4 2002 | Q1 2003 | Q2 2003 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.09% | -0.74% | -0.62% | -0.10% | -0.60% | -82.62% | -8.32% | -11.60% | -1,150 bps | |
| Return on Equity | 0.58% | -5.02% | -4.34% | -0.61% | -3.50% | -93.50% | -9.39% | -13.50% | -1,289 bps | |
| Net Interest Margin | 3.00% | 2.20% | 2.02% | 2.83% | 1.72% | -61.49% | 3.49% | 2.82% | -1 bps | |
| Efficiency Ratio | 94.81% | 133.61% | 130.14% | 70.22% | 97.29% | n/a | 338% | 511% | +44,061 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 21.29% | 11.48% | 2.13% | -11.98% | -19.92% | -91.72% | -92.05% | -92.58% | -8,060 bps | |
| Loan Growth (YoY) | -7.95% | -12.92% | -41.52% | -58.09% | -68.59% | -71.31% | -76.46% | -81.37% | -2,327 bps | |
| Share Growth (YoY) | 26.62% | 14.35% | 3.34% | -12.99% | -21.89% | -98.86% | -98.94% | -98.75% | -8,575 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 16.23% | 20.80% | 30.77% | 48.66% | 62.47% | 82.12% | 88.34% | 74.03% | +2,536 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 | 14.65% | 11.59% | 11.66% | 9.69% | 15.98% | 19.58% | 12.73% | 74.03% | +6,434 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 14.70% | 14.84% | 14.36% | 16.51% | 17.14% | 88.37% | 88.61% | 85.93% | +6,941 bps | |
| Net Worth / Assets | 14.70% | 14.84% | 14.36% | 16.51% | 17.14% | 88.37% | 88.61% | 85.93% | +6,941 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 18.33% | 17.24% | 13.66% | 9.64% | 7.37% | 435% | 303% | 143.39% | +13,375 bps | |
| Liquid Assets / Assets | 48.41% | 69.81% | 65.76% | 91.06% | 93.13% | 48.83% | 69.73% | 94.61% | +354 bps | |