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Central State Hospital

Milledgeville, GA · Charter 61461

Q2 2012

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 2012, the quarter ended June 30, 2012, 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

Central State Hospital

Milledgeville, GA · Charter 61461

Q2 2012

$10.2MAssets
$3.1MLoans
$7.9MShares
$2.3MNet 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 0.64%, up 33 bps year over year; NIM at 2.77%.
  • Asset quality: problem loans at 0.55% of loans (-157 bps YoY).
  • Capital: net worth / assets of 22.43%, up 124 bps from a year ago.
  • Funding: loans stand at 38.91% of shares as of Q2 2012.

Financial Results

Return on Assets (YTD, annualized)

0.64%+33 bps YoY

Net Interest Margin (YTD, annualized)

2.77%-11 bps YoY

Efficiency Ratio (YTD, annualized)

77.07%-1,226 bps YoY

Net Worth / Assets

22.43%+124 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2011Q3 2011Q4 2011Q1 2012Q2 2012YoY ΔTrend
Earnings
Return on Assets0.31%-0.01%0.04%0.29%0.64%+33 bps
Return on Equity1.47%-0.06%0.18%1.32%2.87%+141 bps
Net Interest Margin2.88%2.84%2.91%2.84%2.77%-11 bps
Efficiency Ratio89.33%100.45%98.72%89.72%77.07%-1,226 bps
Growth
Asset Growth (YoY)10.44%5.43%-0.72%-4.30%-4.45%-1,489 bps
Loan Growth (YoY)-7.88%-3.44%-2.68%-8.15%-14.93%-705 bps
Share Growth (YoY)13.00%7.07%-0.38%-5.46%-5.59%-1,859 bps
Asset Quality
Delinquent Loans / Loans2.13%2.04%1.16%1.39%0.55%-157 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans2.33%2.30%2.39%2.56%2.70%+38 bps
Capital
Risk-Based Capital21.18%21.10%21.51%22.26%22.43%+124 bps
Net Worth / Assets21.18%21.10%21.51%22.26%22.43%+124 bps
Liquidity & Funding
Loans / Shares43.18%43.68%42.83%41.18%38.91%-427 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps