Hapeville, GA · Charter 66104
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.
Hapeville, GA · Charter 66104
Q2 2006
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 | Q2 2005 | Q3 2005 | Q4 2005 | Q1 2006 | Q2 2006 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.86% | 0.87% | 0.84% | 0.66% | -23.32% | -2,418 bps | |
| Return on Equity | 4.90% | 4.82% | 4.44% | 3.26% | -256% | -26,077 bps | |
| Net Interest Margin | 3.33% | 3.34% | 3.44% | 3.15% | -16.05% | -1,939 bps | |
| Efficiency Ratio | 66.48% | 66.66% | 67.91% | 70.27% | n/a | n/a | |
| Growth | |||||||
| Asset Growth (YoY) | 1.47% | -1.11% | -4.77% | -11.61% | -13.50% | -1,496 bps | |
| Loan Growth (YoY) | -3.14% | -5.59% | -7.05% | -14.31% | -19.68% | -1,654 bps | |
| Share Growth (YoY) | 0.64% | -2.40% | -6.76% | -14.91% | -4.93% | -556 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.74% | 1.60% | 2.15% | 1.76% | 0.84% | +11 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.80% | 2.15% | 2.54% | 3.04% | 4.71% | +291 bps | |
| Capital | |||||||
| Risk-Based Capital | 17.60% | 18.05% | 19.01% | 20.11% | 9.11% | -849 bps | |
| Net Worth / Assets | 17.60% | 18.05% | 19.01% | 20.11% | 9.11% | -849 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 41.20% | 40.84% | 41.26% | 40.69% | 34.81% | -639 bps | |
| Liquid Assets / Assets | 26.61% | 29.00% | 29.96% | 32.64% | 0.00% | -2,661 bps | |