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Green Tree

Roslyn, PA · Charter 24685

Q3 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: Q3 2007, the quarter ended September 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

Green Tree

Roslyn, PA · Charter 24685

Q3 2007

$6.4MAssets
$6.3MLoans
$6.9MShares
$-1746KNet Worth

Executive Summary

  • Earnings: ROA of -40.35%, down 4,079 bps year over year; NIM at 2.99%.
  • Asset quality: problem loans at 20.06% of loans (+985 bps YoY).
  • Capital: net worth / assets of -27.27%, down 2,963 bps from a year ago.
  • Funding: loans stand at 90.38% of shares as of Q3 2007.

Return on Assets (YTD, annualized)

-40.35%-4,079 bps YoY

Net Interest Margin (YTD, annualized)

2.99%-49 bps YoY

Efficiency Ratio (YTD, annualized)

n/a

Net Worth / Assets

-27.27%-2,963 bps YoY

Year to date, annualized, through each quarter.

MetricQ4 2005Q1 2006Q2 2006Q3 2006Q4 2006Q1 2007Q2 2007Q3 2007YoY ΔTrend
Earnings
Return on Assets0.41%0.43%0.37%0.43%0.24%0.77%-33.79%-40.35%-4,079 bps
Return on Equity20.87%20.21%16.30%18.35%10.89%35.59%n/an/an/a
Net Interest Margin3.61%3.45%3.64%3.49%2.89%2.00%2.76%2.99%-49 bps
Efficiency Ratio70.93%87.26%89.89%88.09%92.14%49.60%260%n/an/a
Growth
Asset Growth (YoY)-5.28%-8.92%-13.15%-5.76%0.46%7.48%-15.65%-28.44%-2,268 bps
Loan Growth (YoY)-12.12%-5.40%-11.77%-5.49%2.96%7.88%-9.11%-20.57%-1,508 bps
Share Growth (YoY)-5.71%-9.39%-13.41%-5.94%0.51%7.23%-1.48%-20.46%-1,452 bps
Asset Quality
Delinquent Loans / Loans9.76%12.40%11.27%10.21%10.77%13.94%14.59%20.06%+985 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans0.79%0.75%0.76%0.67%0.66%0.55%5.17%7.79%+711 bps
Capital
Risk-Based Capital1.95%2.13%2.29%2.37%2.17%2.17%-14.27%-27.27%-2,963 bps
Net Worth / Assets1.95%2.13%2.29%2.37%2.17%2.17%-14.27%-27.27%-2,963 bps
Liquidity & Funding
Loans / Shares85.24%86.37%89.34%90.50%87.32%86.88%82.42%90.38%-12 bps
Liquid Assets / Assets12.73%11.89%0.00%0.00%0.00%0.00%0.00%0.00%0 bps