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State Farm Missouri

Columbia, MO · Charter 11837

Q3 2006

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: 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.

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

State Farm Missouri

Columbia, MO · Charter 11837

Q3 2006

$237.1MAssets
$66.4MLoans
$213.0MShares
$24.0MNet Worth

Executive Summary

  • Earnings: ROA of 0.03%, down 29 bps year over year; NIM at 0.27%.
  • Asset quality: problem loans at 0.45% of loans (-18 bps YoY).
  • Capital: net worth / assets of 10.13%, down 27 bps from a year ago.
  • Funding: loans stand at 31.19% of shares as of Q3 2006.

Return on Assets (YTD, annualized)

0.03%-29 bps YoY

Net Interest Margin (YTD, annualized)

0.27%-41 bps YoY

Efficiency Ratio (YTD, annualized)

69.03%+4,160 bps YoY

Net Worth / Assets

10.13%-27 bps YoY

Year to date, annualized, through each quarter.

MetricQ4 2004Q1 2005Q2 2005Q3 2005Q4 2005Q1 2006Q2 2006Q3 2006YoY ΔTrend
Earnings
Return on Assets0.59%0.54%0.47%0.32%0.25%0.01%0.03%0.03%-29 bps
Return on Equity5.82%5.34%4.56%3.11%2.48%0.05%0.28%0.31%-280 bps
Net Interest Margin0.97%0.81%0.81%0.67%0.56%0.20%0.22%0.27%-41 bps
Efficiency Ratio18.51%23.71%23.29%27.42%33.60%97.45%87.01%69.03%+4,160 bps
Growth
Asset Growth (YoY)3.21%2.84%3.15%1.20%1.68%1.00%3.32%3.08%+188 bps
Loan Growth (YoY)-1.10%1.01%1.76%1.62%-1.03%-2.64%-1.23%0.62%-100 bps
Share Growth (YoY)2.90%2.51%2.77%0.66%1.26%0.67%3.35%4.37%+371 bps
Asset Quality
Delinquent Loans / Loans0.61%0.51%0.56%0.63%0.72%0.40%0.55%0.45%-18 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans0.77%0.76%0.84%1.05%0.91%0.67%0.52%0.55%-50 bps
Capital
Risk-Based Capital10.10%10.14%10.39%10.41%10.19%10.16%10.09%10.13%-27 bps
Net Worth / Assets10.10%10.14%10.39%10.41%10.19%10.16%10.09%10.13%-27 bps
Liquidity & Funding
Loans / Shares31.89%31.75%32.37%32.35%31.18%30.71%30.94%31.19%-116 bps
Liquid Assets / Assets22.78%26.06%21.95%26.18%29.17%26.07%0.00%0.00%-2,618 bps