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St. John's

Imperial, MO · Charter 67731

Q3 2006

$317KAssets
$168KLoans
$187KShares
$129KNet 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 -0.93%, down 78 bps year over year; NIM at 2.64%.
  • Asset quality: problem loans at 6.24% of loans (-1,906 bps YoY).
  • Capital: net worth / assets of 40.56%, up 103 bps from a year ago.
  • Funding: loans stand at 89.66% of shares as of Q3 2006.

Financial Results

Return on Assets (YTD, annualized)

-0.93%-78 bps YoY

Net Interest Margin (YTD, annualized)

2.64%-69 bps YoY

Efficiency Ratio (YTD, annualized)

136.49%+77 bps YoY

Net Worth / Assets

40.56%+103 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2005Q4 2005Q1 2006Q2 2006Q3 2006YoY ΔTrend
Earnings
Return on Assets-0.16%-0.45%-1.60%-2.39%-0.93%-78 bps
Return on Equity-0.39%-1.15%-4.01%-6.04%-2.30%-191 bps
Net Interest Margin3.33%3.36%3.20%2.88%2.64%-69 bps
Efficiency Ratio135.72%136.67%149.77%124.95%136.49%+77 bps
Growth
Asset Growth (YoY)-19.98%-2.66%-5.01%-4.83%-5.01%+1,497 bps
Loan Growth (YoY)-15.59%-37.38%-19.73%-12.99%-6.76%+883 bps
Share Growth (YoY)-28.86%-4.06%-6.35%-5.39%-7.06%+2,180 bps
Asset Quality
Delinquent Loans / Loans25.31%21.92%23.86%24.71%6.24%-1,906 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans4.70%6.46%5.41%6.91%5.42%+72 bps
Capital
Risk-Based Capital39.53%39.39%39.97%39.61%40.56%+103 bps
Net Worth / Assets39.53%39.39%39.97%39.61%40.56%+103 bps
Liquidity & Funding
Loans / Shares89.37%72.75%92.22%90.46%89.66%+29 bps
Liquid Assets / Assets45.67%56.38%45.40%0.00%0.00%-4,567 bps