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
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 2004 | Q4 2004 | Q1 2005 | Q2 2005 | Q3 2005 | Q4 2005 | Q1 2006 | Q2 2006 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.94% | 0.92% | 0.77% | 0.86% | 0.87% | 0.84% | 0.66% | -23.32% | -2,418 bps | |
| Return on Equity | 5.52% | 5.32% | 4.50% | 4.90% | 4.82% | 4.44% | 3.26% | -256% | -26,077 bps | |
| Net Interest Margin | 3.60% | 3.55% | 3.25% | 3.33% | 3.34% | 3.44% | 3.15% | -16.05% | -1,939 bps | |
| Efficiency Ratio | 63.28% | 64.57% | 68.12% | 66.48% | 66.66% | 67.91% | 70.27% | n/a | n/a | |
| Growth | ||||||||||
| Asset Growth (YoY) | 2.98% | 4.94% | 6.97% | 1.47% | -1.11% | -4.77% | -11.61% | -13.50% | -1,496 bps | |
| Loan Growth (YoY) | -9.15% | -9.22% | -6.75% | -3.14% | -5.59% | -7.05% | -14.31% | -19.68% | -1,654 bps | |
| Share Growth (YoY) | 2.65% | 4.81% | 7.31% | 0.64% | -2.40% | -6.76% | -14.91% | -4.93% | -556 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 2.51% | 2.49% | 3.18% | 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 | n/a | n/a | n/a |
| Allowance / Loans | 2.08% | 2.32% | 2.29% | 1.80% | 2.15% | 2.54% | 3.04% | 4.71% | +291 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 16.99% | 17.30% | 17.04% | 17.60% | 18.05% | 19.01% | 20.11% | 9.11% | -849 bps | |
| Net Worth / Assets | 16.99% | 17.30% | 17.04% | 17.60% | 18.05% | 19.01% | 20.11% | 9.11% | -849 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 42.22% | 41.39% | 40.41% | 41.20% | 40.84% | 41.26% | 40.69% | 34.81% | -639 bps | |
| Liquid Assets / Assets | 22.09% | 23.46% | 24.36% | 26.61% | 29.00% | 29.96% | 32.64% | 0.00% | -2,661 bps | |