PackageTrendsPeer
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Bell & Howell Emp

Phillipsburg, NJ · Charter 19748

Q2 2007

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 2007, the quarter ended June 30, 2007, 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

Bell & Howell Emp

Phillipsburg, NJ · Charter 19748

Q2 2007

$2.2MAssets
$1.2MLoans
$1.7MShares
$473KNet 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 -41.65%, down 4,060 bps year over year; NIM at -37.91%.
  • Asset quality: problem loans at 1.98% of loans (-97 bps YoY).
  • Capital: net worth / assets of 21.50%, down 1,303 bps from a year ago.
  • Funding: loans stand at 70.43% of shares as of Q2 2007.

Financial Results

Return on Assets (YTD, annualized)

-41.65%-4,060 bps YoY

Net Interest Margin (YTD, annualized)

-37.91%-4,015 bps YoY

Efficiency Ratio (YTD, annualized)

n/a

Net Worth / Assets

21.50%-1,303 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2006Q3 2006Q4 2006Q1 2007Q2 2007YoY ΔTrend
Earnings
Return on Assets-1.06%-0.31%-0.04%0.33%-41.65%-4,060 bps
Return on Equity-3.06%-0.86%-0.09%0.79%-193.76%-19,070 bps
Net Interest Margin2.23%2.82%3.51%4.13%-37.91%-4,015 bps
Efficiency Ratio192.48%114.69%101.21%90.81%n/an/a
Growth
Asset Growth (YoY)-14.87%-12.03%-19.49%-17.58%-17.03%-217 bps
Loan Growth (YoY)65.40%77.33%69.32%48.38%-4.36%-6,976 bps
Share Growth (YoY)-21.27%-17.55%-28.97%-26.47%0.18%+2,145 bps
Asset Quality
Delinquent Loans / Loans2.95%2.60%2.30%2.26%1.98%-97 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.33%0.24%0.25%0.26%0.26%-7 bps
Capital
Risk-Based Capital34.53%36.05%40.80%41.23%21.50%-1,303 bps
Net Worth / Assets34.53%36.05%40.80%41.23%21.50%-1,303 bps
Liquidity & Funding
Loans / Shares73.77%81.19%94.40%93.03%70.43%-334 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps