Owensboro, KY · Charter 10724
Q3 2006
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2006, the quarter ended September 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.
Owensboro, KY · Charter 10724
Q3 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 | Q3 2005 | Q4 2005 | Q1 2006 | Q2 2006 | Q3 2006 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.49% | 0.54% | 0.63% | 0.50% | 0.42% | -7 bps | |
| Return on Equity | 2.09% | 2.14% | 2.53% | 1.97% | 1.62% | -47 bps | |
| Net Interest Margin | 3.20% | 3.44% | 3.57% | 3.77% | 3.94% | +75 bps | |
| Efficiency Ratio | 81.19% | 79.88% | 78.22% | 75.11% | 71.55% | -964 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -10.48% | -9.11% | -9.06% | -9.69% | -7.49% | +300 bps | |
| Loan Growth (YoY) | -1.43% | 8.68% | 18.43% | 13.54% | 10.15% | +1,157 bps | |
| Share Growth (YoY) | -13.87% | -12.42% | -12.31% | -13.23% | -10.39% | +347 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.87% | 0.89% | 0.39% | 0.31% | 0.43% | -44 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.60% | 0.65% | 0.25% | 0.37% | 0.91% | +31 bps | |
| Capital | |||||||
| Risk-Based Capital | 23.69% | 25.22% | 24.97% | 25.44% | 26.07% | +238 bps | |
| Net Worth / Assets | 23.69% | 25.22% | 24.97% | 25.44% | 26.07% | +238 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 63.81% | 72.95% | 73.84% | 77.28% | 78.44% | +1,463 bps | |
| Liquid Assets / Assets | 49.40% | 39.62% | 38.74% | 0.00% | 0.00% | -4,940 bps | |