Holland, OH · Charter 5734
Q2 2006
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2006, the quarter ended June 30, 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.
Holland, OH · Charter 5734
Q2 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 | Q2 2005 | Q3 2005 | Q4 2005 | Q1 2006 | Q2 2006 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.54% | 0.81% | 0.71% | -0.14% | 0.49% | -5 bps | |
| Return on Equity | 6.54% | 9.71% | 7.86% | -1.57% | 5.46% | -108 bps | |
| Net Interest Margin | 2.50% | 2.57% | 2.73% | 2.15% | 2.53% | +3 bps | |
| Efficiency Ratio | 78.72% | 68.69% | 74.17% | 106.50% | 80.81% | +209 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -4.15% | -2.61% | -5.26% | -3.27% | -0.81% | +334 bps | |
| Loan Growth (YoY) | 1.48% | -1.71% | -1.35% | 21.87% | 8.66% | +718 bps | |
| Share Growth (YoY) | -4.80% | -3.50% | -6.57% | -4.26% | -1.56% | +323 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 9.75% | 9.18% | 10.00% | 10.38% | 0.68% | -907 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 4.68% | 4.78% | 4.66% | 3.98% | 4.55% | -13 bps | |
| Capital | |||||||
| Risk-Based Capital | 8.19% | 8.35% | 9.02% | 8.91% | 8.93% | +73 bps | |
| Net Worth / Assets | 8.19% | 8.35% | 9.02% | 8.91% | 8.93% | +73 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 18.55% | 17.74% | 19.70% | 22.05% | 20.47% | +193 bps | |
| Liquid Assets / Assets | 31.69% | 33.42% | 80.33% | 43.57% | 0.00% | -3,169 bps | |