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Etowah Valley

Cartersville, GA · Charter 19963

Q2 2015

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, not published for this institution and quartern/a

Basis

Quarter: Q2 2015, the quarter ended June 30, 2015, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

No peer standings are published for this institution and quarter.

Peer groups below the disclosure floor are suppressed.

Source: NCUA 5300 Call Report, as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Etowah Valley

Cartersville, GA · Charter 19963

Q2 2015

$21.8MAssets
$10.6MLoans
$17.6MShares
$3.9MNet Worth

Executive Summary

  • Earnings: ROA of 0.24%, down 12 bps year over year; NIM at 2.73%.
  • Asset quality: problem loans at 0.19% of loans (-111 bps YoY).
  • Capital: net worth / assets of 17.77%, down 149 bps from a year ago.
  • Funding: loans stand at 60.37% of shares as of Q2 2015.

Return on Assets (YTD, annualized)

0.24%-12 bps YoY

Net Interest Margin (YTD, annualized)

2.73%-24 bps YoY

Efficiency Ratio (YTD, annualized)

92.12%-262 bps YoY

Net Worth / Assets

17.77%-149 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2013Q4 2013Q1 2014Q2 2014Q3 2014Q4 2014Q1 2015Q2 2015YoY ΔTrend
Earnings
Return on Assets-0.46%-0.34%0.21%0.36%0.38%-0.85%0.26%0.24%-12 bps
Return on Equity-2.43%-1.80%1.14%1.87%1.94%-4.65%1.47%1.37%-50 bps
Net Interest Margin3.05%3.02%2.86%2.96%2.98%2.92%2.70%2.73%-24 bps
Efficiency Ratio103.56%100.56%99.40%94.74%92.33%116.08%94.45%92.12%-262 bps
Growth
Asset Growth (YoY)0.65%2.90%0.82%-3.98%-1.71%-2.00%-0.86%3.29%+727 bps
Loan Growth (YoY)2.02%5.67%7.00%1.47%1.75%-7.36%-5.47%-3.74%-521 bps
Share Growth (YoY)1.48%4.47%1.61%-4.55%-2.45%-2.76%-1.43%3.84%+838 bps
Asset Quality
Delinquent Loans / Loans1.33%1.86%0.57%1.30%0.94%1.30%0.58%0.19%-111 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans1.30%1.39%1.04%0.93%0.68%0.72%0.64%0.61%-32 bps
Capital
Risk-Based Capital18.94%18.76%18.51%19.26%19.56%18.30%17.86%17.77%-149 bps
Net Worth / Assets18.94%18.76%18.51%19.26%19.56%18.30%17.86%17.77%-149 bps
Liquidity & Funding
Loans / Shares63.68%66.38%64.03%65.12%66.42%63.24%61.40%60.37%-475 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps