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B B Schools

Bourbonnais, IL · Charter 17231

Q1 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: Q1 2006, the quarter ended March 31, 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

B B Schools

Bourbonnais, IL · Charter 17231

Q1 2006

$1.8MAssets
$631KLoans
$1.4MShares
$339KNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of -0.89%, down 57 bps year over year; NIM at 3.38%.
  • Asset quality: problem loans at 1.82% of loans (-216 bps YoY).
  • Capital: net worth / assets of 19.10%, up 141 bps from a year ago.
  • Funding: loans stand at 43.93% of shares as of Q1 2006.

Financial Results

Return on Assets (YTD, annualized)

-0.89%-57 bps YoY

Net Interest Margin (YTD, annualized)

3.38%-10 bps YoY

Efficiency Ratio (YTD, annualized)

130.44%+2,125 bps YoY

Net Worth / Assets

19.10%+141 bps YoY

Year to date, annualized, through each quarter.

MetricQ1 2005Q2 2005Q3 2005Q4 2005Q1 2006YoY ΔTrend
Earnings
Return on Assets-0.32%0.04%-0.40%-0.58%-0.89%-57 bps
Return on Equity-1.82%0.23%-2.11%-3.13%-4.67%-285 bps
Net Interest Margin3.48%3.67%3.90%3.84%3.38%-10 bps
Efficiency Ratio109.19%98.07%96.01%104.21%130.44%+2,125 bps
Growth
Asset Growth (YoY)-0.21%-2.73%-6.38%-5.17%-10.83%-1,062 bps
Loan Growth (YoY)-2.73%-11.08%-9.10%-12.96%-19.12%-1,639 bps
Share Growth (YoY)-0.31%-3.39%-7.44%-5.65%-12.36%-1,204 bps
Asset Quality
Delinquent Loans / Loans3.97%4.70%2.68%1.25%1.82%-216 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.10%0.18%0.51%0.62%0.63%+53 bps
Capital
Risk-Based Capital17.69%18.04%18.76%18.58%19.10%+141 bps
Net Worth / Assets17.69%18.04%18.76%18.58%19.10%+141 bps
Liquidity & Funding
Loans / Shares47.60%47.02%49.91%45.89%43.93%-367 bps
Liquid Assets / Assets34.37%8.60%35.63%44.09%46.24%+1,187 bps