Tocca, GA · Charter 3995
Q1 2008
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2008, the quarter ended March 31, 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.
Tocca, GA · Charter 3995
Q1 2008
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 2007 | Q2 2007 | Q3 2007 | Q4 2007 | Q1 2008 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.09% | -0.86% | -5.52% | -7.04% | -3.18% | -327 bps | |
| Return on Equity | 0.64% | -6.37% | -53.80% | -90.01% | -44.21% | -4,485 bps | |
| Net Interest Margin | 4.53% | 4.60% | 4.60% | 4.62% | 3.93% | -60 bps | |
| Efficiency Ratio | 71.71% | 72.21% | 77.41% | 76.88% | 73.72% | +200 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 26.79% | 13.52% | 1.19% | -4.47% | -10.89% | -3,769 bps | |
| Loan Growth (YoY) | 23.82% | 7.67% | 3.60% | 0.37% | -7.75% | -3,157 bps | |
| Share Growth (YoY) | 41.43% | 22.06% | 6.38% | 3.67% | -4.38% | -4,581 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 6.99% | 6.52% | 4.51% | 3.95% | 1.18% | -581 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.22% | 0.94% | 2.31% | 3.97% | 3.69% | +247 bps | |
| Capital | |||||||
| Risk-Based Capital | 13.56% | 13.53% | 10.27% | 7.82% | 7.20% | -636 bps | |
| Net Worth / Assets | 13.56% | 13.53% | 10.27% | 7.82% | 7.20% | -636 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 88.80% | 93.25% | 92.54% | 89.92% | 85.68% | -312 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |