PackageTrendsPeer
Letter portraitLegal landscape

Nationwide

Columbus, OH · Charter 24295

Q4 2006

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: Q4 2006, the quarter ended December 31, 2006, 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

Nationwide

Columbus, OH · Charter 24295

Q4 2006

$564.1MAssets
$418.3MLoans
$489.3MShares
$71.9MNet Worth

Executive Summary

  • Earnings: ROA of 1.53%, up 46 bps year over year; NIM at 3.30%.
  • Asset quality: problem loans at 0.16% of loans (-4 bps YoY).
  • Capital: net worth / assets of 12.74%, up 64 bps from a year ago.
  • Funding: loans stand at 85.50% of shares as of Q4 2006.

Return on Assets (YTD, annualized)

1.53%+46 bps YoY

Net Interest Margin (YTD, annualized)

3.30%+41 bps YoY

Efficiency Ratio (YTD, annualized)

57.32%-625 bps YoY

Net Worth / Assets

12.74%+64 bps YoY

Year to date, annualized, through each quarter.

MetricQ1 2005Q2 2005Q3 2005Q4 2005Q1 2006Q2 2006Q3 2006Q4 2006YoY ΔTrend
Earnings
Return on Assets1.24%1.17%1.17%1.07%1.33%1.31%1.36%1.53%+46 bps
Return on Equity11.08%9.70%10.56%8.83%11.94%11.10%11.29%11.97%+315 bps
Net Interest Margin2.81%2.94%2.88%2.89%2.95%3.12%3.18%3.30%+41 bps
Efficiency Ratio60.69%63.48%63.34%63.57%59.02%60.11%58.89%57.32%-625 bps
Growth
Asset Growth (YoY)9.80%6.25%8.95%11.48%10.75%13.03%10.32%7.87%-361 bps
Loan Growth (YoY)10.47%10.47%15.25%19.21%21.11%23.11%15.88%13.22%-599 bps
Share Growth (YoY)10.05%5.94%8.77%11.71%10.60%12.50%9.12%7.13%-458 bps
Asset Quality
Delinquent Loans / Loans0.17%0.25%0.21%0.19%0.10%0.11%0.11%0.16%-4 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans0.25%0.28%0.25%0.33%0.30%0.29%0.31%0.25%-7 bps
Capital
Risk-Based Capital11.20%12.07%11.10%12.10%11.11%11.80%12.06%12.74%+64 bps
Net Worth / Assets11.20%12.07%11.10%12.10%11.11%11.80%12.06%12.74%+64 bps
Liquidity & Funding
Loans / Shares65.50%72.27%76.52%80.90%71.73%79.09%81.27%85.50%+460 bps
Liquid Assets / Assets117.81%19.97%119.33%118.25%120.30%0.00%0.00%0.00%-11,825 bps