Derby, KS · Charter 63274
Q3 2006
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2006, the quarter ended September 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.
Derby, KS · Charter 63274
Q3 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 | Q3 2005 | Q4 2005 | Q1 2006 | Q2 2006 | Q3 2006 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.71% | 0.73% | 0.60% | 0.74% | -4.96% | -567 bps | |
| Return on Equity | 4.90% | 4.62% | 3.71% | 4.61% | -38.69% | -4,359 bps | |
| Net Interest Margin | 2.93% | 3.12% | 2.85% | 2.89% | 2.73% | -20 bps | |
| Efficiency Ratio | 65.17% | 68.13% | 78.98% | 74.54% | 154.27% | +8,910 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 8.12% | -3.45% | -6.00% | -8.00% | -11.50% | -1,961 bps | |
| Loan Growth (YoY) | 15.27% | 10.31% | 11.65% | 8.81% | 6.84% | -842 bps | |
| Share Growth (YoY) | 8.52% | -4.84% | -7.80% | -10.16% | -11.28% | -1,980 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.66% | 1.06% | 0.82% | 0.51% | 6.05% | +540 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.45% | 0.33% | 0.35% | 0.33% | 3.06% | +261 bps | |
| Capital | |||||||
| Risk-Based Capital | 14.53% | 15.86% | 16.25% | 16.12% | 12.81% | -172 bps | |
| Net Worth / Assets | 14.53% | 15.86% | 16.25% | 16.12% | 12.81% | -172 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 91.84% | 104.16% | 102.75% | 104.91% | 110.60% | +1,876 bps | |
| Liquid Assets / Assets | 19.44% | 10.25% | 11.75% | 0.00% | 0.00% | -1,944 bps | |