Danielsville, GA · Charter 22694
Q2 2006
Board Package
Performance Trends and Peer Comparison
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.
No peer standings are published for this institution and quarter.
Peer groups below the disclosure floor are suppressed.
Danielsville, GA · Charter 22694
Q2 2006
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 | Q3 2004 | Q4 2004 | Q1 2005 | Q2 2005 | Q3 2005 | Q4 2005 | Q1 2006 | Q2 2006 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.34% | 0.48% | 0.46% | 0.41% | 0.48% | 0.57% | -10.48% | -21.01% | -2,141 bps | |
| Return on Equity | 2.60% | 3.50% | 3.24% | 2.61% | 3.24% | 3.80% | -81.34% | -259% | -26,153 bps | |
| Net Interest Margin | 3.43% | 3.63% | 3.52% | 3.91% | 3.72% | 3.76% | 4.35% | 4.80% | +89 bps | |
| Efficiency Ratio | 86.29% | 82.96% | 87.95% | 85.42% | 82.84% | 80.91% | 79.52% | 140.78% | +5,536 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -3.08% | -11.27% | -0.77% | -7.77% | -9.28% | -4.58% | -6.39% | -14.45% | -669 bps | |
| Loan Growth (YoY) | -0.57% | 0.03% | -6.42% | -18.08% | 1.02% | 35.60% | 15.65% | 10.62% | +2,870 bps | |
| Share Growth (YoY) | -3.49% | -13.31% | -1.59% | -9.68% | -11.31% | -5.97% | -5.11% | -6.82% | +286 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.00% | 0.69% | 0.60% | 5.39% | 4.69% | 3.74% | 0.27% | 0.00% | -539 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.56% | 0.70% | 0.76% | 0.89% | 0.86% | 0.78% | 1.11% | 9.13% | +824 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 13.01% | 13.82% | 14.07% | 15.52% | 14.93% | 15.05% | 12.88% | 8.11% | -741 bps | |
| Net Worth / Assets | 13.01% | 13.82% | 14.07% | 15.52% | 14.93% | 15.05% | 12.88% | 8.11% | -741 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 64.98% | 61.91% | 65.51% | 68.36% | 74.02% | 89.28% | 79.84% | 81.16% | +1,280 bps | |
| Liquid Assets / Assets | 22.98% | 44.80% | 41.96% | 40.18% | 35.40% | 15.84% | 17.70% | 0.00% | -4,018 bps | |