Sparks, NV · Charter 5843
Q1 2007
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2007, the quarter ended March 31, 2007, 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.
Sparks, NV · Charter 5843
Q1 2007
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 | Q1 2006 | Q2 2006 | Q3 2006 | Q4 2006 | Q1 2007 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.87% | 0.95% | 1.27% | 0.95% | 3.99% | +312 bps | |
| Return on Equity | 5.60% | 5.85% | 7.67% | 5.47% | 21.81% | +1,621 bps | |
| Net Interest Margin | 3.40% | 3.54% | 3.60% | 3.76% | 3.37% | -3 bps | |
| Efficiency Ratio | 74.93% | 74.17% | 66.46% | 74.23% | 30.23% | -4,470 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 0.76% | -4.78% | -2.94% | -3.74% | -6.10% | -686 bps | |
| Loan Growth (YoY) | 7.59% | 1.80% | -7.41% | -1.13% | -8.22% | -1,580 bps | |
| Share Growth (YoY) | -0.36% | -6.90% | -4.82% | -5.80% | -8.93% | -857 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.06% | 0.01% | 0.16% | 0.03% | 0.08% | +2 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.17% | 0.15% | 0.15% | 0.15% | 0.27% | +9 bps | |
| Capital | |||||||
| Risk-Based Capital | 15.57% | 16.22% | 16.61% | 17.31% | 18.29% | +272 bps | |
| Net Worth / Assets | 15.57% | 16.22% | 16.61% | 17.31% | 18.29% | +272 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 67.04% | 70.25% | 68.67% | 71.62% | 67.57% | +52 bps | |
| Liquid Assets / Assets | 29.48% | 0.00% | 0.00% | 0.00% | 0.00% | -2,948 bps | |