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Geneva Area School Emp

Geneva, OH · Charter 96716

Q2 2007

$1.4MAssets
$705KLoans
$1.2MShares
$176KNet 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 -0.42%; NIM at 2.10%.
  • Asset quality: problem loans at 0.45% of loans.
  • Capital: net worth / assets of 12.36%.
  • Funding: loans stand at 56.48% of shares as of Q2 2007.

Financial Results

Return on Assets (YTD, annualized)

-0.42%

Net Interest Margin (YTD, annualized)

2.10%

Efficiency Ratio (YTD, annualized)

101.84%

Net Worth / Assets

12.36%

Year to date, annualized, through each quarter.

MetricQ2 2006Q4 2006Q1 2007Q2 2007YoY ΔTrend
Earnings
Return on Assets0.26%0.85%1.20%-0.42%n/a
Return on Equity2.53%6.98%9.75%-3.40%n/a
Net Interest Margin2.64%3.26%3.42%2.10%n/a
Efficiency Ratio85.16%71.43%59.71%101.84%n/a
Growth
Asset Growth (YoY)n/an/an/an/an/an/a
Loan Growth (YoY)n/an/an/an/an/an/a
Share Growth (YoY)n/an/an/an/an/an/a
Asset Quality
Delinquent Loans / Loans0.48%0.34%1.51%0.45%n/a
Net Charge-Offs / Loansn/an/an/an/an/an/a
Allowance / Loans0.76%0.77%0.90%0.18%n/a
Capital
Risk-Based Capital10.45%12.24%12.32%12.36%n/a
Net Worth / Assets10.45%12.24%12.32%12.36%n/a
Liquidity & Funding
Loans / Shares48.90%55.34%54.35%56.48%n/a
Liquid Assets / Assets0.00%0.00%0.00%0.00%n/a