PackageTrendsPeer
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N P R D

Mills, WY · Charter 6842

Q4 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: 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.

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

N P R D

Mills, WY · Charter 6842

Q4 2006

$9.9MAssets
$7.8MLoans
$8.3MShares
$1.1MNet Worth

Executive Summary

  • Earnings: ROA of 0.11%, unchanged from a year ago; NIM at 4.03%.
  • Asset quality: problem loans at 0.60% of loans (-21 bps YoY).
  • Capital: net worth / assets of 10.74%, down 112 bps from a year ago.
  • Funding: loans stand at 94.72% of shares as of Q4 2006.

Return on Assets (YTD, annualized)

0.11%0 bps YoY

Net Interest Margin (YTD, annualized)

4.03%-11 bps YoY

Efficiency Ratio (YTD, annualized)

97.58%0 bps YoY

Net Worth / Assets

10.74%-112 bps YoY

Year to date, annualized, through each quarter.

MetricQ1 2005Q2 2005Q3 2005Q4 2005Q1 2006Q2 2006Q3 2006Q4 2006YoY ΔTrend
Earnings
Return on Assets-0.10%-0.03%0.09%0.11%-0.96%-0.81%-1.02%0.11%0 bps
Return on Equity-0.88%-0.29%0.79%0.92%-8.54%-7.03%-9.54%0.99%+7 bps
Net Interest Margin3.49%3.73%4.02%4.14%3.65%3.90%3.77%4.03%-11 bps
Efficiency Ratio101.37%100.27%97.79%97.58%111.96%110.59%108.93%97.58%0 bps
Growth
Asset Growth (YoY)-0.62%0.83%-1.32%-2.00%-3.38%-3.86%2.92%2.77%+477 bps
Loan Growth (YoY)-5.01%11.44%7.87%13.32%12.66%7.79%11.23%10.32%-300 bps
Share Growth (YoY)-0.07%1.14%-3.72%-4.87%-3.89%-4.49%0.23%0.94%+581 bps
Asset Quality
Delinquent Loans / Loans0.98%1.93%1.10%0.81%1.05%0.62%0.14%0.60%-21 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans0.33%0.25%0.22%0.24%0.07%0.10%0.50%0.52%+28 bps
Capital
Risk-Based Capital10.94%11.28%11.70%11.86%11.21%11.46%10.65%10.74%-112 bps
Net Worth / Assets10.94%11.28%11.70%11.86%11.21%11.46%10.65%10.74%-112 bps
Liquidity & Funding
Loans / Shares68.26%79.98%85.83%86.67%80.02%90.26%95.25%94.72%+805 bps
Liquid Assets / Assets28.56%18.01%14.82%14.43%18.66%0.00%0.00%0.00%-1,443 bps