East Point, GA · Charter 382
Q2 2007
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2007, the quarter ended June 30, 2007, 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.
East Point, GA · Charter 382
Q2 2007
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 2005 | Q4 2005 | Q1 2006 | Q2 2006 | Q3 2006 | Q4 2006 | Q1 2007 | Q2 2007 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.63% | 0.72% | 0.54% | 0.89% | 1.01% | 1.12% | 1.10% | 1.00% | +11 bps | |
| Return on Equity | 5.02% | 5.59% | 3.94% | 6.44% | 7.02% | 7.34% | 7.59% | 6.51% | +7 bps | |
| Net Interest Margin | 3.80% | 3.92% | 4.33% | 4.37% | 4.61% | 4.86% | 4.89% | 5.04% | +67 bps | |
| Efficiency Ratio | 87.38% | 85.61% | 91.30% | 85.91% | 84.12% | 83.04% | 83.96% | 85.31% | -60 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 0.26% | -1.21% | -8.02% | -3.46% | -6.59% | -8.80% | 3.50% | -4.82% | -137 bps | |
| Loan Growth (YoY) | 6.11% | 9.69% | 5.29% | 7.45% | 9.16% | 7.59% | 7.24% | 5.87% | -158 bps | |
| Share Growth (YoY) | -0.40% | -2.24% | -10.04% | -4.96% | -8.60% | -11.33% | 2.30% | -6.71% | -175 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.66% | 0.87% | 0.80% | 0.74% | 0.68% | 0.69% | 0.82% | 0.44% | -30 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 | 0.48% | 0.48% | 0.50% | 0.50% | 0.56% | 0.57% | 0.64% | 0.60% | +9 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 12.48% | 12.89% | 13.74% | 13.81% | 14.38% | 15.26% | 14.46% | 15.32% | +150 bps | |
| Net Worth / Assets | 12.48% | 12.89% | 13.74% | 13.81% | 14.38% | 15.26% | 14.46% | 15.32% | +150 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 42.46% | 44.78% | 46.26% | 47.16% | 50.71% | 54.34% | 48.49% | 53.52% | +636 bps | |
| Liquid Assets / Assets | 56.04% | 55.95% | 55.82% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |