Port Chester, NY · Charter 5055
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.
Port Chester, NY · Charter 5055
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 | 1.97% | 1.92% | 2.85% | 1.90% | 1.90% | -7 bps | |
| Return on Equity | 7.43% | 7.21% | 10.15% | 6.77% | 6.77% | -67 bps | |
| Net Interest Margin | 6.86% | 6.85% | 5.95% | 3.97% | 3.97% | -289 bps | |
| Efficiency Ratio | 52.92% | 53.84% | 53.57% | 53.57% | 53.57% | +65 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -3.74% | -4.03% | -7.09% | -4.13% | -1.85% | +189 bps | |
| Loan Growth (YoY) | 3.45% | -1.85% | -2.27% | -1.70% | 4.98% | +152 bps | |
| Share Growth (YoY) | -6.37% | -6.65% | -11.44% | -7.37% | -3.79% | +258 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 17.04% | 17.34% | 21.09% | 21.09% | 21.09% | +406 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 2.62% | 0.67% | 3.01% | 3.01% | 3.01% | +39 bps | |
| Capital | |||||||
| Risk-Based Capital | 26.53% | 26.62% | 28.08% | 28.08% | 28.08% | +155 bps | |
| Net Worth / Assets | 26.53% | 26.62% | 28.08% | 28.08% | 28.08% | +155 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 71.68% | 70.43% | 78.21% | 78.21% | 78.21% | +653 bps | |
| Liquid Assets / Assets | 47.89% | 47.84% | 0.00% | 0.00% | 0.00% | -4,789 bps | |