Columbia, MO · Charter 24153
Q2 2006
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2006, the quarter ended June 30, 2006, 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.
Columbia, MO · Charter 24153
Q2 2006
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 2005 | Q3 2005 | Q4 2005 | Q1 2006 | Q2 2006 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.30% | -0.06% | 0.05% | -1.00% | -18.78% | -1,908 bps | |
| Return on Equity | 1.90% | -0.37% | 0.27% | -5.98% | -236% | -23,791 bps | |
| Net Interest Margin | 3.05% | 3.09% | 3.42% | 3.85% | -5.23% | -827 bps | |
| Efficiency Ratio | 92.81% | 98.68% | 97.79% | 115.00% | n/a | n/a | |
| Growth | |||||||
| Asset Growth (YoY) | -20.00% | -16.79% | -15.39% | -16.11% | -9.93% | +1,007 bps | |
| Loan Growth (YoY) | -29.74% | -21.22% | -23.36% | -23.95% | -23.56% | +618 bps | |
| Share Growth (YoY) | -22.76% | -19.33% | -18.15% | -18.51% | -5.08% | +1,768 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 1.54% | 1.35% | 0.00% | 0.00% | 7.21% | +567 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.97% | 1.85% | 1.94% | 2.21% | 3.90% | +192 bps | |
| Capital | |||||||
| Risk-Based Capital | 15.73% | 15.79% | 17.28% | 16.73% | 7.96% | -777 bps | |
| Net Worth / Assets | 15.73% | 15.79% | 17.28% | 16.73% | 7.96% | -777 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 6.72% | 7.56% | 7.97% | 6.82% | 5.41% | -131 bps | |
| Liquid Assets / Assets | 63.51% | 62.11% | 59.26% | 61.03% | 0.00% | -6,351 bps | |