Chatsworth, GA · Charter 22935
Q2 2008
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2008, the quarter ended June 30, 2008, 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.
Chatsworth, GA · Charter 22935
Q2 2008
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 2006 | Q4 2006 | Q1 2007 | Q2 2007 | Q3 2007 | Q4 2007 | Q1 2008 | Q2 2008 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.31% | 0.16% | 0.18% | 0.18% | -0.20% | -0.12% | 0.01% | -9.17% | -935 bps | |
| Return on Equity | 2.52% | 1.13% | 1.20% | 1.20% | -1.29% | -0.70% | 0.05% | -76.44% | -7,764 bps | |
| Net Interest Margin | 2.48% | 2.75% | 3.04% | 3.05% | 3.17% | 3.33% | 3.04% | -5.56% | -861 bps | |
| Efficiency Ratio | 84.07% | 90.23% | 90.49% | 90.49% | 102.25% | 99.38% | 95.40% | n/a | n/a | |
| Growth | ||||||||||
| Asset Growth (YoY) | -16.22% | -26.97% | -25.83% | -19.51% | -24.53% | -16.80% | -11.20% | -12.57% | +694 bps | |
| Loan Growth (YoY) | 33.02% | 26.51% | 9.69% | 9.68% | -6.94% | -3.36% | -9.66% | -13.39% | -2,307 bps | |
| Share Growth (YoY) | -18.43% | -30.38% | -29.08% | -22.19% | -28.01% | -19.41% | -12.85% | -9.06% | +1,313 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.17% | 2.04% | 1.08% | 1.09% | 1.76% | 1.91% | 1.70% | 0.00% | -109 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 | 1.71% | 1.80% | 1.93% | 1.94% | 2.03% | 2.04% | 2.32% | 2.44% | +50 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 12.20% | 14.14% | 14.57% | 14.73% | 15.90% | 16.89% | 16.25% | 12.00% | -273 bps | |
| Net Worth / Assets | 12.20% | 14.14% | 14.57% | 14.73% | 15.90% | 16.89% | 16.25% | 12.00% | -273 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 71.85% | 83.89% | 83.08% | 83.15% | 92.88% | 100.59% | 86.13% | 79.19% | -396 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |