PackageTrendsPeer
Letter portraitLegal landscape

Madison County Georgia

Danielsville, GA · Charter 22694

Q2 2006

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 2006, the quarter ended June 30, 2006, 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

Madison County Georgia

Danielsville, GA · Charter 22694

Q2 2006

$509KAssets
$379KLoans
$467KShares
$41KNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of -21.01%, down 2,141 bps year over year; NIM at 4.80%.
  • Asset quality: problem loans at 0.00% of loans (-539 bps YoY).
  • Capital: net worth / assets of 8.11%, down 741 bps from a year ago.
  • Funding: loans stand at 81.16% of shares as of Q2 2006.

Financial Results

Return on Assets (YTD, annualized)

-21.01%-2,141 bps YoY

Net Interest Margin (YTD, annualized)

4.80%+89 bps YoY

Efficiency Ratio (YTD, annualized)

140.78%+5,536 bps YoY

Net Worth / Assets

8.11%-741 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2005Q3 2005Q4 2005Q1 2006Q2 2006YoY ΔTrend
Earnings
Return on Assets0.41%0.48%0.57%-10.48%-21.01%-2,141 bps
Return on Equity2.61%3.24%3.80%-81.34%-259%-26,153 bps
Net Interest Margin3.91%3.72%3.76%4.35%4.80%+89 bps
Efficiency Ratio85.42%82.84%80.91%79.52%140.78%+5,536 bps
Growth
Asset Growth (YoY)-7.77%-9.28%-4.58%-6.39%-14.45%-669 bps
Loan Growth (YoY)-18.08%1.02%35.60%15.65%10.62%+2,870 bps
Share Growth (YoY)-9.68%-11.31%-5.97%-5.11%-6.82%+286 bps
Asset Quality
Delinquent Loans / Loans5.39%4.69%3.74%0.27%0.00%-539 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.89%0.86%0.78%1.11%9.13%+824 bps
Capital
Risk-Based Capital15.52%14.93%15.05%12.88%8.11%-741 bps
Net Worth / Assets15.52%14.93%15.05%12.88%8.11%-741 bps
Liquidity & Funding
Loans / Shares68.36%74.02%89.28%79.84%81.16%+1,280 bps
Liquid Assets / Assets40.18%35.40%15.84%17.70%0.00%-4,018 bps