Hazlehurst, GA · Charter 67655
NCUA · 1 branch
Q2 2016
Board Package
Performance Trends and Peer Comparison
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.
No peer standings are published for this institution and quarter.
Peer groups below the disclosure floor are suppressed.
Hazlehurst, GA · Charter 67655
NCUA · 1 branch
Q2 2016
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 2014 | Q4 2014 | Q1 2015 | Q2 2015 | Q3 2015 | Q4 2015 | Q1 2016 | Q2 2016 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -1.45% | -1.50% | -1.55% | -1.42% | -1.49% | -1.61% | -1.34% | -49.40% | -4,798 bps | |
| Return on Equity | -5.47% | -5.58% | -5.96% | -5.49% | -5.89% | -6.34% | -5.52% | -483% | -47,791 bps | |
| Net Interest Margin | 1.55% | 1.63% | 1.56% | 1.57% | 1.57% | 1.61% | 1.52% | -39.09% | -4,066 bps | |
| Efficiency Ratio | 181.71% | 180.32% | 190.97% | 182.08% | 185.90% | 189.49% | 181.15% | n/a | n/a | |
| Growth | ||||||||||
| Asset Growth (YoY) | -0.24% | -0.89% | -1.17% | -2.75% | -0.75% | -0.46% | 0.29% | -28.47% | -2,573 bps | |
| Loan Growth (YoY) | 8.91% | 8.23% | 1.59% | -0.18% | -7.56% | -5.58% | -5.80% | -28.70% | -2,852 bps | |
| Share Growth (YoY) | 1.71% | 0.84% | 0.42% | -1.72% | 1.00% | 1.59% | 2.49% | -13.35% | -1,163 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.10% | 0.69% | 0.06% | 0.39% | 0.30% | 0.11% | 0.22% | 0.00% | -39 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 | 4.79% | 4.57% | 4.94% | 5.17% | 4.87% | 4.24% | 4.56% | 5.96% | +79 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 26.56% | 26.84% | 25.91% | 25.85% | 25.27% | 25.36% | 24.33% | 10.22% | -1,563 bps | |
| Net Worth / Assets | 26.56% | 26.84% | 25.91% | 25.85% | 25.27% | 25.36% | 24.33% | 10.22% | -1,563 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 23.10% | 25.01% | 22.62% | 22.01% | 21.14% | 23.24% | 20.79% | 18.11% | -390 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |