Oran, MO · Charter 67751
Q1 2007
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2007, the quarter ended March 31, 2007, 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.
Oran, MO · Charter 67751
Q1 2007
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 | Q2 2005 | Q3 2005 | Q4 2005 | Q1 2006 | Q2 2006 | Q3 2006 | Q4 2006 | Q1 2007 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 2.16% | -5.92% | -5.71% | 7.63% | 4.70% | 0.32% | 0.73% | 8.36% | +74 bps | |
| Return on Equity | 22.72% | -69.83% | -69.81% | 72.36% | 42.90% | 3.31% | 7.27% | 67.25% | -512 bps | |
| Net Interest Margin | 5.57% | 5.95% | 6.17% | 5.56% | 5.13% | 5.24% | 5.01% | 4.15% | -142 bps | |
| Efficiency Ratio | 61.28% | 63.76% | 63.89% | 74.08% | 81.79% | 87.26% | 88.10% | 147.03% | +7,295 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -16.41% | -21.21% | -28.45% | -23.39% | -18.36% | -20.44% | -13.24% | -10.71% | +1,268 bps | |
| Loan Growth (YoY) | -15.83% | -19.45% | -23.75% | -22.34% | -25.69% | -26.77% | -29.01% | -27.07% | -473 bps | |
| Share Growth (YoY) | -17.07% | -20.34% | -27.03% | -25.03% | -19.67% | -21.53% | -15.04% | -12.61% | +1,242 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 18.89% | 16.78% | 21.43% | 7.15% | 5.61% | 14.23% | 16.11% | 5.20% | -195 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 2.38% | 3.30% | 5.17% | 3.92% | 3.79% | 7.16% | 7.18% | 3.79% | -13 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 9.50% | 8.48% | 8.18% | 10.54% | 10.96% | 9.73% | 10.09% | 12.44% | +190 bps | |
| Net Worth / Assets | 9.50% | 8.48% | 8.18% | 10.54% | 10.96% | 9.73% | 10.09% | 12.44% | +190 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 90.99% | 90.41% | 92.49% | 89.89% | 84.16% | 84.37% | 77.28% | 75.01% | -1,487 bps | |
| Liquid Assets / Assets | 15.47% | 15.96% | 15.31% | 18.19% | 0.00% | 0.00% | 0.00% | 0.00% | -1,819 bps | |