Columbia, MO · Charter 24706
Q4 2006
Board Package
Performance Trends and Peer Comparison
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.
No peer standings are published for this institution and quarter.
Peer groups below the disclosure floor are suppressed.
Columbia, MO · Charter 24706
Q4 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 | Q4 2005 | Q1 2006 | Q2 2006 | Q3 2006 | Q4 2006 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.34% | 0.35% | 0.57% | 0.55% | 0.56% | +22 bps | |
| Return on Equity | 11.30% | 11.85% | 16.52% | 18.11% | 14.68% | +338 bps | |
| Net Interest Margin | 2.97% | 2.94% | 3.07% | 2.66% | 3.03% | +6 bps | |
| Efficiency Ratio | 89.20% | 88.79% | 84.20% | 82.12% | 84.70% | -450 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 13.39% | 17.63% | 13.68% | 7.16% | -6.98% | -2,037 bps | |
| Loan Growth (YoY) | 77.38% | 31.64% | 23.43% | -3.83% | -11.76% | -8,914 bps | |
| Share Growth (YoY) | 13.41% | 17.62% | 13.32% | 6.69% | -7.74% | -2,115 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.02% | 0.09% | 0.16% | 0.24% | 0.32% | +30 bps | |
| Capital | |||||||
| Risk-Based Capital | 3.05% | 2.99% | 3.43% | 3.01% | 3.84% | +79 bps | |
| Net Worth / Assets | 3.05% | 2.99% | 3.43% | 3.01% | 3.84% | +79 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 93.86% | 87.41% | 92.63% | 72.71% | 89.76% | -410 bps | |
| Liquid Assets / Assets | 5.27% | 11.82% | 0.00% | 0.00% | 0.00% | -527 bps | |