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Georgia Dot

Atlanta, GA · Charter 67355

Q2 2008

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 2008, the quarter ended June 30, 2008, 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

Georgia Dot

Atlanta, GA · Charter 67355

Q2 2008

$19.0MAssets
$13.2MLoans
$16.3MShares
$2.7MNet Worth

Executive Summary

  • Earnings: ROA of 0.50%, up 14 bps year over year; NIM at 4.47%.
  • Asset quality: problem loans at 2.42% of loans (+43 bps YoY).
  • Capital: net worth / assets of 14.07%, up 35 bps from a year ago.
  • Funding: loans stand at 80.95% of shares as of Q2 2008.

Return on Assets (YTD, annualized)

0.50%+14 bps YoY

Net Interest Margin (YTD, annualized)

4.47%+5 bps YoY

Efficiency Ratio (YTD, annualized)

82.41%-142 bps YoY

Net Worth / Assets

14.07%+35 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2006Q4 2006Q1 2007Q2 2007Q3 2007Q4 2007Q1 2008Q2 2008YoY ΔTrend
Earnings
Return on Assets0.34%0.08%0.39%0.36%0.39%0.20%0.90%0.50%+14 bps
Return on Equity2.55%0.56%2.92%2.60%2.87%1.42%6.41%3.54%+95 bps
Net Interest Margin4.49%4.24%4.34%4.43%4.21%4.36%4.54%4.47%+5 bps
Efficiency Ratio83.38%89.24%81.99%83.83%82.96%82.43%74.21%82.41%-142 bps
Growth
Asset Growth (YoY)-17.57%-17.11%-12.65%-9.12%-3.61%-2.35%-2.21%-0.64%+848 bps
Loan Growth (YoY)1.59%6.19%6.48%11.78%13.07%11.21%8.90%1.89%-989 bps
Share Growth (YoY)-20.18%-18.98%-13.87%-9.90%-3.62%-2.99%-2.83%-0.26%+964 bps
Asset Quality
Delinquent Loans / Loans1.43%2.20%0.95%1.99%2.00%2.50%2.55%2.42%+43 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans2.69%2.69%2.62%2.53%2.49%2.58%2.59%2.59%+6 bps
Capital
Risk-Based Capital13.14%13.54%13.47%13.72%13.75%14.07%14.10%14.07%+35 bps
Net Worth / Assets13.14%13.54%13.47%13.72%13.75%14.07%14.10%14.07%+35 bps
Liquidity & Funding
Loans / Shares69.47%75.82%75.11%79.24%81.50%86.92%84.17%80.95%+171 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps