PackageTrendsPeer
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General Electric Evendale Employees

Cincinnati, OH · Charter 9588

Q3 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: Q3 2007, the quarter ended September 30, 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

General Electric Evendale Employees

Cincinnati, OH · Charter 9588

Q3 2007

$726.2MAssets
$469.0MLoans
$572.3MShares
$121.1MNet Worth

Executive Summary

  • Earnings: ROA of 0.87%, up 18 bps year over year; NIM at 2.55%.
  • Asset quality: problem loans at 0.91% of loans (+27 bps YoY).
  • Capital: net worth / assets of 16.68%, down 191 bps from a year ago.
  • Funding: loans stand at 81.95% of shares as of Q3 2007.

Return on Assets (YTD, annualized)

0.87%+18 bps YoY

Net Interest Margin (YTD, annualized)

2.55%-25 bps YoY

Efficiency Ratio (YTD, annualized)

67.53%-399 bps YoY

Net Worth / Assets

16.68%-191 bps YoY

Year to date, annualized, through each quarter.

MetricQ4 2005Q1 2006Q2 2006Q3 2006Q4 2006Q1 2007Q2 2007Q3 2007YoY ΔTrend
Earnings
Return on Assets1.09%0.80%0.74%0.68%0.01%0.65%0.88%0.87%+18 bps
Return on Equity5.82%4.30%3.91%3.68%0.05%3.88%5.21%5.21%+152 bps
Net Interest Margin3.03%2.88%2.85%2.79%2.71%2.55%2.60%2.55%-25 bps
Efficiency Ratio62.51%68.29%69.75%71.52%93.76%77.08%68.46%67.53%-399 bps
Growth
Asset Growth (YoY)1.95%1.38%1.41%3.98%6.53%10.68%12.52%12.83%+885 bps
Loan Growth (YoY)10.09%10.29%8.43%5.55%3.86%3.19%1.66%3.30%-225 bps
Share Growth (YoY)1.06%0.64%2.77%5.17%10.25%14.08%15.22%15.64%+1,047 bps
Asset Quality
Delinquent Loans / Loans0.94%0.72%0.67%0.64%0.67%0.68%0.86%0.91%+27 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans0.40%0.41%0.42%0.40%0.37%0.34%0.35%0.34%-7 bps
Capital
Risk-Based Capital18.65%18.59%18.88%18.59%17.51%16.79%16.90%16.68%-191 bps
Net Worth / Assets18.65%18.59%18.88%18.59%17.51%16.79%16.90%16.68%-191 bps
Liquidity & Funding
Loans / Shares93.47%91.32%93.42%91.74%88.05%82.60%82.42%81.95%-979 bps
Liquid Assets / Assets7.50%9.45%0.00%0.00%0.00%0.00%0.00%0.00%0 bps