Columbia, MO · Charter 11837
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.
Columbia, MO · Charter 11837
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 | 0.32% | 0.25% | 0.01% | 0.03% | 0.03% | -29 bps | |
| Return on Equity | 3.11% | 2.48% | 0.05% | 0.28% | 0.31% | -280 bps | |
| Net Interest Margin | 0.67% | 0.56% | 0.20% | 0.22% | 0.27% | -41 bps | |
| Efficiency Ratio | 27.42% | 33.60% | 97.45% | 87.01% | 69.03% | +4,160 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 1.20% | 1.68% | 1.00% | 3.32% | 3.08% | +188 bps | |
| Loan Growth (YoY) | 1.62% | -1.03% | -2.64% | -1.23% | 0.62% | -100 bps | |
| Share Growth (YoY) | 0.66% | 1.26% | 0.67% | 3.35% | 4.37% | +371 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.63% | 0.72% | 0.40% | 0.55% | 0.45% | -18 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.05% | 0.91% | 0.67% | 0.52% | 0.55% | -50 bps | |
| Capital | |||||||
| Risk-Based Capital | 10.41% | 10.19% | 10.16% | 10.09% | 10.13% | -27 bps | |
| Net Worth / Assets | 10.41% | 10.19% | 10.16% | 10.09% | 10.13% | -27 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 32.35% | 31.18% | 30.71% | 30.94% | 31.19% | -116 bps | |
| Liquid Assets / Assets | 26.18% | 29.17% | 26.07% | 0.00% | 0.00% | -2,618 bps | |