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Obelisk

New Albany, IN · Charter 20173

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

Obelisk

New Albany, IN · Charter 20173

Q2 2007

$47.1MAssets
$34.7MLoans
$46.9MShares
$-112KNet Worth

Executive Summary

  • Earnings: ROA of -21.93%, down 2,208 bps year over year; NIM at 2.95%.
  • Asset quality: problem loans at 0.24% of loans (-37 bps YoY).
  • Capital: net worth / assets of -0.24%, down 908 bps from a year ago.
  • Funding: loans stand at 73.93% of shares as of Q2 2007.

Return on Assets (YTD, annualized)

-21.93%-2,208 bps YoY

Net Interest Margin (YTD, annualized)

2.95%+36 bps YoY

Efficiency Ratio (YTD, annualized)

513%+42,130 bps YoY

Net Worth / Assets

-0.24%-908 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2005Q4 2005Q1 2006Q2 2006Q3 2006Q4 2006Q1 2007Q2 2007YoY ΔTrend
Earnings
Return on Assets0.15%0.20%0.09%0.15%0.24%0.21%-30.86%-21.93%-2,208 bps
Return on Equity1.51%2.16%1.03%1.68%2.70%2.36%-2178%n/an/a
Net Interest Margin2.51%2.38%2.50%2.58%2.60%2.62%2.46%2.95%+36 bps
Efficiency Ratio90.09%90.61%93.46%91.66%90.18%91.07%832%513%+42,130 bps
Growth
Asset Growth (YoY)1.65%6.91%9.91%11.56%12.01%2.30%-2.30%-16.26%-2,782 bps
Loan Growth (YoY)7.72%15.88%14.44%12.52%11.98%0.36%-1.12%-6.33%-1,885 bps
Share Growth (YoY)1.58%7.33%10.67%12.42%12.96%2.17%1.43%-7.89%-2,030 bps
Asset Quality
Delinquent Loans / Loans0.53%0.80%0.66%0.61%0.76%1.16%0.82%0.24%-37 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans0.36%0.54%0.54%0.53%0.51%0.49%0.60%0.64%+11 bps
Capital
Risk-Based Capital9.64%9.07%8.73%8.84%8.90%9.08%1.42%-0.24%-908 bps
Net Worth / Assets9.64%9.07%8.73%8.84%8.90%9.08%1.42%-0.24%-908 bps
Liquidity & Funding
Loans / Shares74.57%75.58%71.69%72.70%73.93%74.24%69.89%73.93%+123 bps
Liquid Assets / Assets13.56%13.29%17.03%0.00%0.00%0.00%0.00%0.00%0 bps