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Colgate Palmolive Company

Jeffersonville, IN · Charter 6847

Q1 2007

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: 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.

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

Colgate Palmolive Company

Jeffersonville, IN · Charter 6847

Q1 2007

$4.2MAssets
$3.0MLoans
$3.1MShares
$1.1MNet 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 -9.33%, down 975 bps year over year; NIM at 4.94%.
  • Asset quality: problem loans at 1.55% of loans (-17 bps YoY).
  • Capital: net worth / assets of 26.47%, up 315 bps from a year ago.
  • Funding: loans stand at 96.50% of shares as of Q1 2007.

Financial Results

Return on Assets (YTD, annualized)

-9.33%-975 bps YoY

Net Interest Margin (YTD, annualized)

4.94%+24 bps YoY

Efficiency Ratio (YTD, annualized)

95.87%+370 bps YoY

Net Worth / Assets

26.47%+315 bps YoY

Year to date, annualized, through each quarter.

MetricQ1 2006Q2 2006Q3 2006Q4 2006Q1 2007YoY ΔTrend
Earnings
Return on Assets0.42%0.50%0.37%0.40%-9.33%-975 bps
Return on Equity1.80%2.06%1.44%1.49%-35.24%-3,704 bps
Net Interest Margin4.71%4.95%5.19%5.36%4.94%+24 bps
Efficiency Ratio92.17%90.95%91.74%90.14%95.87%+370 bps
Growth
Asset Growth (YoY)-18.30%-17.23%-18.13%-16.34%-18.18%+12 bps
Loan Growth (YoY)-2.81%-11.68%-17.22%-19.73%-21.35%-1,854 bps
Share Growth (YoY)-22.16%-21.05%-23.39%-21.67%-21.48%+68 bps
Asset Quality
Delinquent Loans / Loans1.71%2.12%1.79%1.77%1.55%-17 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans1.89%1.65%1.68%1.76%5.03%+314 bps
Capital
Risk-Based Capital23.32%24.36%25.91%27.10%26.47%+315 bps
Net Worth / Assets23.32%24.36%25.91%27.10%26.47%+315 bps
Liquidity & Funding
Loans / Shares96.34%100.64%101.58%97.64%96.50%+16 bps
Liquid Assets / Assets13.71%0.00%0.00%0.00%0.00%-1,371 bps