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Printing Crafts

Jefferson City, MO · Charter 67690

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 2026-10-11

Printing Crafts

Jefferson City, MO · Charter 67690

Q2 2006

$1.0MAssets
$823KLoans
$959KShares
$50KNet 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 -23.89%, down 2,599 bps year over year; NIM at 5.51%.
  • Asset quality: problem loans at 17.04% of loans (+410 bps YoY).
  • Capital: net worth / assets of 4.98%, down 628 bps from a year ago.
  • Funding: loans stand at 85.85% of shares as of Q2 2006.

Financial Results

Return on Assets (YTD, annualized)

-23.89%-2,599 bps YoY

Net Interest Margin (YTD, annualized)

5.51%+121 bps YoY

Efficiency Ratio (YTD, annualized)

85.10%+3,401 bps YoY

Net Worth / Assets

4.98%-628 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2005Q3 2005Q4 2005Q1 2006Q2 2006YoY ΔTrend
Earnings
Return on Assets2.11%0.10%1.42%-49.57%-23.89%-2,599 bps
Return on Equity18.71%0.90%10.61%-1201%-480%-49,874 bps
Net Interest Margin4.30%4.51%5.36%5.36%5.51%+121 bps
Efficiency Ratio51.08%62.18%74.02%124.55%85.10%+3,401 bps
Growth
Asset Growth (YoY)-3.65%-11.87%-22.19%-22.90%-25.75%-2,210 bps
Loan Growth (YoY)26.84%15.61%8.98%4.58%-17.33%-4,416 bps
Share Growth (YoY)-4.04%-13.08%-23.17%-17.33%-19.73%-1,569 bps
Asset Quality
Delinquent Loans / Loans12.94%11.12%13.83%18.19%17.04%+410 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.93%0.59%0.69%12.48%10.90%+998 bps
Capital
Risk-Based Capital11.25%11.64%13.41%4.13%4.98%-628 bps
Net Worth / Assets11.25%11.64%13.41%4.13%4.98%-628 bps
Liquidity & Funding
Loans / Shares83.35%89.94%100.01%97.08%85.85%+250 bps
Liquid Assets / Assets23.78%17.91%10.84%6.63%0.00%-2,378 bps