New Albany, IN · Charter 20173
Q2 2007
Board Package
Performance Trends and Peer Comparison
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.
No peer standings are published for this institution and quarter.
Peer groups below the disclosure floor are suppressed.
New Albany, IN · Charter 20173
Q2 2007
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 | Q2 2006 | Q3 2006 | Q4 2006 | Q1 2007 | Q2 2007 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.15% | 0.24% | 0.21% | -30.86% | -21.93% | -2,208 bps | |
| Return on Equity | 1.68% | 2.70% | 2.36% | -2178% | n/a | n/a | |
| Net Interest Margin | 2.58% | 2.60% | 2.62% | 2.46% | 2.95% | +36 bps | |
| Efficiency Ratio | 91.66% | 90.18% | 91.07% | 832% | 513% | +42,130 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 11.56% | 12.01% | 2.30% | -2.30% | -16.26% | -2,782 bps | |
| Loan Growth (YoY) | 12.52% | 11.98% | 0.36% | -1.12% | -6.33% | -1,885 bps | |
| Share Growth (YoY) | 12.42% | 12.96% | 2.17% | 1.43% | -7.89% | -2,030 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.61% | 0.76% | 1.16% | 0.82% | 0.24% | -37 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.53% | 0.51% | 0.49% | 0.60% | 0.64% | +11 bps | |
| Capital | |||||||
| Risk-Based Capital | 8.84% | 8.90% | 9.08% | 1.42% | -0.24% | -908 bps | |
| Net Worth / Assets | 8.84% | 8.90% | 9.08% | 1.42% | -0.24% | -908 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 72.70% | 73.93% | 74.24% | 69.89% | 73.93% | +123 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |