PackageTrendsPeer
Letter portraitLegal landscape

Jeff Davis

Hazlehurst, GA · Charter 67655

NCUA · 1 branch

Q2 2016

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 2016, the quarter ended June 30, 2016, 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

Jeff Davis

Hazlehurst, GA · Charter 67655

NCUA · 1 branch

Q2 2016

$3.5MAssets
$574KLoans
$3.2MShares
$361KNet 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 -49.40%, down 4,798 bps year over year; NIM at -39.09%.
  • Asset quality: problem loans at 0.00% of loans (-39 bps YoY).
  • Capital: net worth / assets of 10.22%, down 1,563 bps from a year ago.
  • Funding: loans stand at 18.11% of shares as of Q2 2016.

Financial Results

Return on Assets (YTD, annualized)

-49.40%-4,798 bps YoY

Net Interest Margin (YTD, annualized)

-39.09%-4,066 bps YoY

Efficiency Ratio (YTD, annualized)

n/a

Net Worth / Assets

10.22%-1,563 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2015Q3 2015Q4 2015Q1 2016Q2 2016YoY ΔTrend
Earnings
Return on Assets-1.42%-1.49%-1.61%-1.34%-49.40%-4,798 bps
Return on Equity-5.49%-5.89%-6.34%-5.52%-483%-47,791 bps
Net Interest Margin1.57%1.57%1.61%1.52%-39.09%-4,066 bps
Efficiency Ratio182.08%185.90%189.49%181.15%n/an/a
Growth
Asset Growth (YoY)-2.75%-0.75%-0.46%0.29%-28.47%-2,573 bps
Loan Growth (YoY)-0.18%-7.56%-5.58%-5.80%-28.70%-2,852 bps
Share Growth (YoY)-1.72%1.00%1.59%2.49%-13.35%-1,163 bps
Asset Quality
Delinquent Loans / Loans0.39%0.30%0.11%0.22%0.00%-39 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans5.17%4.87%4.24%4.56%5.96%+79 bps
Capital
Risk-Based Capital25.85%25.27%25.36%24.33%10.22%-1,563 bps
Net Worth / Assets25.85%25.27%25.36%24.33%10.22%-1,563 bps
Liquidity & Funding
Loans / Shares22.01%21.14%23.24%20.79%18.11%-390 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps