Mason City, IA · Charter 64732
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.
Mason City, IA · Charter 64732
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 | 0.06% | 0.09% | 0.17% | 0.08% | 0.05% | 0 bps | |
| Return on Equity | 0.38% | 0.63% | 1.19% | 0.49% | 0.29% | -9 bps | |
| Net Interest Margin | 1.57% | 2.11% | 1.86% | 2.19% | 2.01% | +44 bps | |
| Efficiency Ratio | 96.48% | 95.63% | 90.59% | 96.22% | 97.47% | +99 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -8.09% | -7.43% | -8.23% | -19.61% | -15.51% | -741 bps | |
| Loan Growth (YoY) | -15.71% | -16.33% | -26.33% | -37.42% | -33.90% | -1,819 bps | |
| Share Growth (YoY) | -9.39% | -8.47% | -9.08% | -22.29% | -18.19% | -880 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 2.58% | 1.89% | 0.00% | 3.39% | 7.95% | +537 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 7.50% | 7.98% | 8.56% | 10.40% | 10.84% | +333 bps | |
| Capital | |||||||
| Risk-Based Capital | 14.52% | 14.61% | 14.70% | 16.99% | 17.24% | +272 bps | |
| Net Worth / Assets | 14.52% | 14.61% | 14.70% | 16.99% | 17.24% | +272 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 43.64% | 39.89% | 37.30% | 36.54% | 35.26% | -838 bps | |
| Liquid Assets / Assets | 49.44% | 52.63% | 0.00% | 0.00% | 0.00% | -4,944 bps | |