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C & D Conyers

Conyers, GA · Charter 20102

Q2 2002

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 2002, the quarter ended June 30, 2002, 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

C & D Conyers

Conyers, GA · Charter 20102

Q2 2002

$201KAssets
$103KLoans
$178KShares
$18KNet Worth

Executive Summary

  • Earnings: ROA of -15.40%, down 1,860 bps year over year; NIM at 4.68%.
  • Asset quality: problem loans at 9.87% of loans (+413 bps YoY).
  • Capital: net worth / assets of 8.90%.
  • Funding: loans stand at 57.73% of shares as of Q2 2002.

Return on Assets (YTD, annualized)

-15.40%-1,860 bps YoY

Net Interest Margin (YTD, annualized)

4.68%-210 bps YoY

Efficiency Ratio (YTD, annualized)

66.28%+1,349 bps YoY

Net Worth / Assets

8.90%

Year to date, annualized, through each quarter.

MetricQ4 1998Q2 1999Q4 1999Q2 2000Q4 2000Q2 2001Q4 2001Q2 2002YoY ΔTrend
Earnings
Return on Assets3.69%5.52%-0.21%3.21%7.73%-7.52%-6.53%-15.40%-1,860 bps
Return on Equityn/an/an/an/a47.44%-56.42%-53.37%-173.03%n/a
Net Interest Marginn/an/a6.06%6.79%11.00%8.91%7.65%4.68%-210 bps
Efficiency Ration/an/a68.95%52.78%29.69%37.93%41.10%66.28%+1,349 bps
Growth
Asset Growth (YoY)17.02%-5.61%-5.93%7.97%6.78%36.20%16.04%2.93%-504 bps
Loan Growth (YoY)18.27%4.81%-2.16%6.45%26.26%55.00%14.85%-4.93%-1,137 bps
Share Growth (YoY)20.41%-8.15%-7.04%9.79%3.09%39.93%17.16%8.09%-170 bps
Asset Quality
Delinquent Loans / Loans13.85%26.95%12.33%5.73%6.44%7.01%12.24%9.87%+413 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans12.79%13.97%8.72%3.25%2.71%8.07%10.49%5.13%+188 bps
Capital
Risk-Based Capitaln/an/an/an/a16.30%13.33%12.24%8.90%n/a
Net Worth / Assetsn/an/an/an/a16.30%13.33%12.24%8.90%n/a
Liquidity & Funding
Loans / Shares69.16%71.93%81.47%65.63%84.71%79.68%79.86%57.73%-790 bps
Liquid Assets / Assets35.10%40.09%35.23%26.18%27.21%36.94%40.17%50.75%+2,458 bps