Joplin, MO · Charter 64263
Q4 2006
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2006, the quarter ended December 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.
Joplin, MO · Charter 64263
Q4 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 | Q4 2005 | Q1 2006 | Q2 2006 | Q3 2006 | Q4 2006 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -0.05% | -0.15% | 0.15% | 0.33% | 0.28% | +32 bps | |
| Return on Equity | -0.55% | -1.86% | 1.83% | 3.83% | 3.17% | +371 bps | |
| Net Interest Margin | 3.62% | 3.75% | 3.96% | 4.16% | 4.24% | +62 bps | |
| Efficiency Ratio | 99.65% | 103.18% | 94.79% | 92.22% | 90.67% | -898 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 0.63% | 0.51% | 2.02% | -5.05% | -2.83% | -345 bps | |
| Loan Growth (YoY) | -6.50% | -6.39% | -2.41% | -2.72% | 0.37% | +687 bps | |
| Share Growth (YoY) | 0.67% | 0.72% | 2.01% | -5.59% | -3.39% | -407 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.41% | 0.32% | 0.16% | 0.00% | 1.75% | +134 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.37% | 0.31% | 0.23% | 0.24% | 0.49% | +11 bps | |
| Capital | |||||||
| Risk-Based Capital | 8.28% | 8.04% | 8.24% | 8.66% | 8.81% | +52 bps | |
| Net Worth / Assets | 8.28% | 8.04% | 8.24% | 8.66% | 8.81% | +52 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 68.83% | 66.41% | 68.33% | 70.07% | 71.51% | +268 bps | |
| Liquid Assets / Assets | 27.93% | 25.08% | 0.00% | 0.00% | 0.00% | -2,793 bps | |