PackageTrendsPeer
Letter portraitLegal landscape

Hallco

Gainesville, GA · Charter 20602

Q3 2009

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: Q3 2009, the quarter ended September 30, 2009, 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

Hallco

Gainesville, GA · Charter 20602

Q3 2009

$43.8MAssets
$27.0MLoans
$40.0MShares
$3.3MNet Worth

Executive Summary

  • Earnings: ROA of 1.32%, up 74 bps year over year; NIM at 3.60%.
  • Asset quality: problem loans at 0.92% of loans (+25 bps YoY).
  • Capital: net worth / assets of 7.63%, down 60 bps from a year ago.
  • Funding: loans stand at 67.51% of shares as of Q3 2009.

Return on Assets (YTD, annualized)

1.32%+74 bps YoY

Net Interest Margin (YTD, annualized)

3.60%-18 bps YoY

Efficiency Ratio (YTD, annualized)

74.25%-1,508 bps YoY

Net Worth / Assets

7.63%-60 bps YoY

Year to date, annualized, through each quarter.

MetricQ4 2007Q1 2008Q2 2008Q3 2008Q4 2008Q1 2009Q2 2009Q3 2009YoY ΔTrend
Earnings
Return on Assets0.59%0.56%0.51%0.58%0.64%0.43%1.57%1.32%+74 bps
Return on Equity6.66%6.84%6.44%7.04%7.72%6.11%21.14%17.31%+1,026 bps
Net Interest Margin4.10%3.92%3.63%3.78%3.78%3.62%3.65%3.60%-18 bps
Efficiency Ratio90.61%90.72%91.10%89.33%87.27%88.69%70.75%74.25%-1,508 bps
Growth
Asset Growth (YoY)18.34%15.71%17.17%16.64%16.39%12.40%11.63%13.88%-276 bps
Loan Growth (YoY)26.42%23.62%16.74%12.48%6.92%13.33%13.31%10.45%-203 bps
Share Growth (YoY)18.81%15.96%17.59%17.32%17.54%13.88%12.45%14.80%-252 bps
Asset Quality
Delinquent Loans / Loans0.67%0.33%0.58%0.67%0.47%1.04%0.67%0.92%+25 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans0.62%0.49%0.45%0.38%0.42%0.39%0.42%0.44%+5 bps
Capital
Risk-Based Capital8.90%8.23%7.95%8.23%8.25%7.06%7.45%7.63%-60 bps
Net Worth / Assets8.90%8.23%7.95%8.23%8.25%7.06%7.45%7.63%-60 bps
Liquidity & Funding
Loans / Shares76.31%68.64%67.02%70.17%69.41%68.31%67.53%67.51%-266 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps