Savannah, GA · Charter 21063
Q1 2006
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2006, the quarter ended March 31, 2006, 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.
Savannah, GA · Charter 21063
Q1 2006
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
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 | Q1 2005 | Q2 2005 | Q3 2005 | Q4 2005 | Q1 2006 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.09% | 0.02% | 0.38% | 0.45% | -0.34% | -43 bps | |
| Return on Equity | 0.48% | 0.09% | 1.88% | 2.10% | -1.68% | -215 bps | |
| Net Interest Margin | 3.57% | 3.56% | 3.88% | 4.02% | 4.81% | +124 bps | |
| Efficiency Ratio | 90.99% | 91.20% | 85.09% | 84.69% | 96.66% | +567 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 7.94% | 8.14% | 1.33% | 0.48% | -1.92% | -986 bps | |
| Loan Growth (YoY) | -18.31% | -11.93% | -5.00% | 2.86% | 5.61% | +2,393 bps | |
| Share Growth (YoY) | 8.21% | 9.29% | 1.10% | -0.02% | -2.74% | -1,095 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 1.48% | 1.41% | 0.53% | 0.90% | 0.14% | -133 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.69% | 1.12% | 1.18% | 1.12% | 1.46% | +76 bps | |
| Capital | |||||||
| Risk-Based Capital | 19.58% | 19.39% | 20.31% | 21.22% | 20.28% | +70 bps | |
| Net Worth / Assets | 19.58% | 19.39% | 20.31% | 21.22% | 20.28% | +70 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 42.35% | 42.70% | 47.21% | 50.50% | 45.99% | +364 bps | |
| Liquid Assets / Assets | 63.02% | 62.40% | 59.36% | 56.86% | 59.90% | -312 bps | |