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Moore

Lake Forest, IL · Charter 15102

Q2 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: Q2 2006, the quarter ended June 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

Moore

Lake Forest, IL · Charter 15102

Q2 2006

$1.5MAssets
$522KLoans
$1.2MShares
$326KNet Worth

Executive Summary

  • Earnings: ROA of -33.30%, down 3,264 bps year over year; NIM at -12.75%.
  • Asset quality: problem loans at 0.06% of loans (-63 bps YoY).
  • Capital: net worth / assets of 21.89%, down 1,005 bps from a year ago.
  • Funding: loans stand at 45.03% of shares as of Q2 2006.

Return on Assets (YTD, annualized)

-33.30%-3,264 bps YoY

Net Interest Margin (YTD, annualized)

-12.75%-1,591 bps YoY

Efficiency Ratio (YTD, annualized)

n/a

Net Worth / Assets

21.89%-1,005 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2004Q4 2004Q1 2005Q2 2005Q3 2005Q4 2005Q1 2006Q2 2006YoY ΔTrend
Earnings
Return on Assets-1.54%-1.68%-0.55%-0.65%-0.71%-0.62%-0.61%-33.30%-3,264 bps
Return on Equity-4.99%-5.16%-1.75%-2.04%-2.17%-1.86%-1.81%-152.08%-15,004 bps
Net Interest Margin2.54%2.76%3.02%3.16%3.43%3.58%3.85%-12.75%-1,591 bps
Efficiency Ratio147.14%147.03%118.30%125.20%123.54%119.43%115.92%n/an/a
Growth
Asset Growth (YoY)-17.66%-21.59%-13.68%-5.30%-8.31%-4.22%-8.70%-17.81%-1,251 bps
Loan Growth (YoY)-20.06%-13.17%-4.71%13.02%49.84%55.15%44.97%6.95%-607 bps
Share Growth (YoY)-21.74%-27.73%-17.55%-6.26%-10.75%-5.50%-12.02%-5.67%+59 bps
Asset Quality
Delinquent Loans / Loans1.44%1.68%0.04%0.69%0.00%0.05%0.05%0.06%-63 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans5.90%6.32%6.58%5.32%4.61%4.44%5.18%17.78%+1,246 bps
Capital
Risk-Based Capital30.84%32.61%31.52%31.94%32.65%33.43%33.89%21.89%-1,005 bps
Net Worth / Assets30.84%32.61%31.52%31.94%32.65%33.43%33.89%21.89%-1,005 bps
Liquidity & Funding
Loans / Shares30.45%33.59%31.85%39.71%51.12%55.14%52.47%45.03%+532 bps
Liquid Assets / Assets79.24%77.84%78.87%73.60%66.37%64.18%66.38%0.00%-7,360 bps