Cool Valley, MO · Charter 63062
Q1 2006
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2006, the quarter ended March 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.
Cool Valley, MO · Charter 63062
Q1 2006
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 2004 | Q3 2004 | Q4 2004 | Q1 2005 | Q2 2005 | Q3 2005 | Q4 2005 | Q1 2006 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -1.62% | -2.28% | -1.82% | 0.42% | 0.18% | -6.30% | -4.77% | -0.81% | -123 bps | |
| Return on Equity | -19.01% | -30.31% | -22.38% | 4.94% | 1.89% | -99.82% | -74.04% | -12.68% | -1,762 bps | |
| Net Interest Margin | 4.64% | 4.77% | 4.88% | 4.77% | 5.44% | 6.20% | 6.04% | 5.19% | +42 bps | |
| Efficiency Ratio | 82.44% | 76.17% | 79.23% | 91.18% | 85.89% | 84.31% | 84.27% | 110.10% | +1,892 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 23.16% | 30.44% | 25.40% | 10.42% | -11.46% | -29.76% | -27.48% | -26.87% | -3,729 bps | |
| Loan Growth (YoY) | 211% | 114.33% | 65.16% | 3.95% | -22.60% | -30.84% | -31.78% | -37.34% | -4,129 bps | |
| Share Growth (YoY) | 27.70% | 30.05% | 31.29% | 12.83% | -12.14% | -24.87% | -26.20% | -25.16% | -3,799 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 11.71% | 8.96% | 14.72% | 12.02% | 15.20% | 18.66% | 16.86% | 9.78% | -224 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.68% | 1.83% | 2.23% | 2.62% | 1.76% | 6.54% | 6.45% | 3.06% | +45 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 8.54% | 7.51% | 8.13% | 8.52% | 9.39% | 6.31% | 6.44% | 6.41% | -211 bps | |
| Net Worth / Assets | 8.54% | 7.51% | 8.13% | 8.52% | 9.39% | 6.31% | 6.44% | 6.41% | -211 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 104.08% | 108.74% | 98.95% | 94.31% | 91.69% | 100.10% | 91.46% | 78.97% | -1,534 bps | |
| Liquid Assets / Assets | 3.32% | 3.68% | 8.63% | 13.48% | 15.53% | 9.15% | 16.90% | 26.75% | +1,328 bps | |