Griffith, IN · Charter 12872
Q4 2006
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2006, the quarter ended December 31, 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.
Griffith, IN · Charter 12872
Q4 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 | Q4 2005 | Q1 2006 | Q2 2006 | Q3 2006 | Q4 2006 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -1.35% | 1.05% | -0.50% | -0.56% | -0.81% | +54 bps | |
| Return on Equity | -20.39% | 14.91% | -7.75% | -8.65% | -12.80% | +759 bps | |
| Net Interest Margin | 4.68% | 4.37% | 4.38% | 4.61% | 4.64% | -4 bps | |
| Efficiency Ratio | 101.15% | 113.60% | 112.90% | 108.88% | 113.35% | +1,219 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -8.37% | -9.76% | -9.03% | -5.58% | -7.54% | +83 bps | |
| Loan Growth (YoY) | -10.02% | -5.07% | -4.32% | -1.72% | -4.70% | +532 bps | |
| Share Growth (YoY) | -12.12% | -9.33% | -4.49% | -6.69% | -4.71% | +741 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.41% | 0.83% | 0.68% | 0.41% | 0.70% | +29 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.62% | 0.87% | 1.03% | 1.00% | 0.63% | -99 bps | |
| Capital | |||||||
| Risk-Based Capital | 6.62% | 7.05% | 6.43% | 6.44% | 6.35% | -27 bps | |
| Net Worth / Assets | 6.62% | 7.05% | 6.43% | 6.44% | 6.35% | -27 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 60.21% | 57.75% | 56.46% | 58.41% | 60.22% | +1 bps | |
| Liquid Assets / Assets | 25.16% | 20.56% | 0.00% | 0.00% | 0.00% | -2,516 bps | |