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Hano Employees

New Orleans, LA · Charter 63148

Q2 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: 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.

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 2026-10-12

Hano Employees

New Orleans, LA · Charter 63148

Q2 2006

$390KAssets
$122KLoans
$315KShares
$71KNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of -31.87%, down 3,204 bps year over year; NIM at 6.38%.
  • Asset quality: problem loans at 70.17% of loans (+6,990 bps YoY).
  • Capital: net worth / assets of 18.17%, up 389 bps from a year ago.
  • Funding: loans stand at 38.61% of shares as of Q2 2006.

Financial Results

Return on Assets (YTD, annualized)

-31.87%-3,204 bps YoY

Net Interest Margin (YTD, annualized)

6.38%+94 bps YoY

Efficiency Ratio (YTD, annualized)

150.85%+5,927 bps YoY

Net Worth / Assets

18.17%+389 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2005Q3 2005Q4 2005Q1 2006Q2 2006YoY ΔTrend
Earnings
Return on Assets0.17%1.54%0.32%-59.62%-31.87%-3,204 bps
Return on Equity1.22%9.93%1.43%-337%-175.33%-17,655 bps
Net Interest Margin5.44%6.45%8.57%7.07%6.38%+94 bps
Efficiency Ratio91.58%73.77%93.71%168.83%150.85%+5,927 bps
Growth
Asset Growth (YoY)1.92%7.36%-21.26%-49.70%-57.68%-5,960 bps
Loan Growth (YoY)-0.13%-12.02%-44.02%-57.16%-70.26%-7,013 bps
Share Growth (YoY)0.12%6.91%-27.98%-49.95%-59.34%-5,945 bps
Asset Quality
Delinquent Loans / Loans0.27%2.11%4.44%12.16%70.17%+6,990 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.88%1.18%1.33%41.20%48.40%+4,753 bps
Capital
Risk-Based Capital14.29%15.51%22.56%17.71%18.17%+389 bps
Net Worth / Assets14.29%15.51%22.56%17.71%18.17%+389 bps
Liquidity & Funding
Loans / Shares52.78%39.87%52.17%43.08%38.61%-1,417 bps
Liquid Assets / Assets29.96%54.51%59.85%78.03%0.00%-2,996 bps