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Punjab and Sindh

Richmond Hills, NY · Charter 24512

Q1 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: Q1 2006, the quarter ended March 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 2026-10-10

Punjab and Sindh

Richmond Hills, NY · Charter 24512

Q1 2006

$1.1MAssets
$261KLoans
$965KShares
$109KNet 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 -5.63%, down 792 bps year over year; NIM at 18.71%.
  • Asset quality: problem loans at 0.00% of loans (-2,300 bps YoY).
  • Capital: net worth / assets of 9.88%, down 71 bps from a year ago.
  • Funding: loans stand at 27.03% of shares as of Q1 2006.

Financial Results

Return on Assets (YTD, annualized)

-5.63%-792 bps YoY

Net Interest Margin (YTD, annualized)

18.71%+1,588 bps YoY

Efficiency Ratio (YTD, annualized)

127.23%+10,172 bps YoY

Net Worth / Assets

9.88%-71 bps YoY

Year to date, annualized, through each quarter.

MetricQ1 2005Q2 2005Q3 2005Q4 2005Q1 2006YoY ΔTrend
Earnings
Return on Assets2.29%-1.36%-0.24%-0.37%-5.63%-792 bps
Return on Equity21.63%-12.80%-2.65%-3.92%-57.01%-7,864 bps
Net Interest Margin2.84%3.41%3.20%3.77%18.71%+1,588 bps
Efficiency Ratio25.51%137.98%106.91%109.08%127.23%+10,172 bps
Growth
Asset Growth (YoY)-19.80%-31.39%-14.70%-27.60%-18.22%+158 bps
Loan Growth (YoY)-2.40%-4.21%-31.53%-32.02%-27.31%-2,492 bps
Share Growth (YoY)-21.99%-35.18%-17.21%-30.72%-20.80%+119 bps
Asset Quality
Delinquent Loans / Loans23.00%24.94%34.83%27.30%0.00%-2,300 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans2.55%2.69%2.97%3.19%3.51%+96 bps
Capital
Risk-Based Capital10.59%10.61%8.91%9.48%9.88%-71 bps
Net Worth / Assets10.59%10.61%8.91%9.48%9.88%-71 bps
Liquidity & Funding
Loans / Shares29.46%32.33%24.64%25.82%27.03%-242 bps
Liquid Assets / Assets69.67%67.71%74.70%72.82%73.70%+403 bps