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North Bend

Franklin, LA · Charter 22766

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

North Bend

Franklin, LA · Charter 22766

Q2 2007

$243KAssets
$141KLoans
$197KShares
$46KNet 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 -3.69%, down 358 bps year over year; NIM at 4.93%.
  • Asset quality: problem loans at 33.78% of loans (+2,805 bps YoY).
  • Capital: net worth / assets of 18.82%, up 121 bps from a year ago.
  • Funding: loans stand at 71.60% of shares as of Q2 2007.

Financial Results

Return on Assets (YTD, annualized)

-3.69%-358 bps YoY

Net Interest Margin (YTD, annualized)

4.93%-34 bps YoY

Efficiency Ratio (YTD, annualized)

172.33%+7,041 bps YoY

Net Worth / Assets

18.82%+121 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2006Q3 2006Q4 2006Q1 2007Q2 2007YoY ΔTrend
Earnings
Return on Assets-0.11%-0.41%-3.19%-3.61%-3.69%-358 bps
Return on Equity-0.61%-2.32%-17.17%-17.49%-19.61%-1,900 bps
Net Interest Margin5.28%5.21%6.31%5.89%4.93%-34 bps
Efficiency Ratio101.92%107.44%109.97%160.15%172.33%+7,041 bps
Growth
Asset Growth (YoY)9.28%5.27%-16.02%-29.58%-27.06%-3,634 bps
Loan Growth (YoY)3.38%-1.93%6.26%-1.24%-16.25%-1,963 bps
Share Growth (YoY)12.91%7.83%-16.71%-32.19%-28.10%-4,101 bps
Asset Quality
Delinquent Loans / Loans5.73%10.01%4.35%14.04%33.78%+2,805 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans1.74%1.80%1.48%1.70%1.82%+8 bps
Capital
Risk-Based Capital17.61%17.81%18.57%20.62%18.82%+121 bps
Net Worth / Assets17.61%17.81%18.57%20.62%18.82%+121 bps
Liquidity & Funding
Loans / Shares61.47%60.88%78.87%81.50%71.60%+1,013 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps