PackageTrendsPeer
Letter portraitLegal landscape

Avon Products Employees

Suffern, NY · Charter 4721

Q3 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: Q3 2006, the quarter ended September 30, 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

Avon Products Employees

Suffern, NY · Charter 4721

Q3 2006

$17.6MAssets
$4.3MLoans
$13.1MShares
$4.4MNet Worth

Executive Summary

  • Earnings: ROA of 0.29%, down 5 bps year over year; NIM at 2.99%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY).
  • Capital: net worth / assets of 25.24%, up 137 bps from a year ago.
  • Funding: loans stand at 32.85% of shares as of Q3 2006.

Return on Assets (YTD, annualized)

0.29%-5 bps YoY

Net Interest Margin (YTD, annualized)

2.99%+9 bps YoY

Efficiency Ratio (YTD, annualized)

89.29%+386 bps YoY

Net Worth / Assets

25.24%+137 bps YoY

Year to date, annualized, through each quarter.

MetricQ4 2004Q1 2005Q2 2005Q3 2005Q4 2005Q1 2006Q2 2006Q3 2006YoY ΔTrend
Earnings
Return on Assets0.42%0.34%0.27%0.35%0.39%0.04%0.30%0.29%-5 bps
Return on Equity1.82%1.45%1.16%1.45%1.64%0.15%1.23%1.16%-29 bps
Net Interest Margin2.93%2.74%2.82%2.90%2.90%2.65%2.92%2.99%+9 bps
Efficiency Ratio82.18%85.64%86.71%85.43%84.75%98.72%88.15%89.29%+386 bps
Growth
Asset Growth (YoY)-6.35%-6.98%-7.06%-5.97%-3.19%-1.67%-1.55%-4.08%+189 bps
Loan Growth (YoY)0.80%-4.43%-5.07%-8.08%-2.96%1.29%0.96%8.30%+1,638 bps
Share Growth (YoY)-8.55%-9.34%-10.30%-8.11%-4.63%-2.63%-1.61%-5.84%+227 bps
Asset Quality
Delinquent Loans / Loans0.00%0.00%0.00%0.00%0.00%0.35%0.00%0.00%0 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans1.98%2.18%2.01%2.17%2.49%2.16%1.99%1.96%-21 bps
Capital
Risk-Based Capital22.81%23.25%23.54%23.86%23.96%23.96%24.32%25.24%+137 bps
Net Worth / Assets22.81%23.25%23.54%23.86%23.96%23.96%24.32%25.24%+137 bps
Liquidity & Funding
Loans / Shares28.17%27.68%29.26%28.56%28.67%28.79%30.02%32.85%+429 bps
Liquid Assets / Assets55.09%54.40%49.25%52.36%50.29%55.23%0.00%0.00%-5,236 bps