Clarksville, IN · Charter 13641
Q3 2005
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2005, the quarter ended September 30, 2005, 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.
Clarksville, IN · Charter 13641
Q3 2005
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
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 | Q3 2004 | Q4 2004 | Q1 2005 | Q2 2005 | Q3 2005 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -1.23% | -1.24% | -3.57% | -5.04% | -7.77% | -654 bps | |
| Return on Equity | -15.70% | -16.15% | -45.68% | -83.16% | -240% | -22,389 bps | |
| Net Interest Margin | 3.11% | 3.22% | -0.76% | 3.90% | 4.08% | +97 bps | |
| Efficiency Ratio | 117.22% | 117.31% | 154.49% | 77.04% | 95.81% | -2,142 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 11.17% | 3.78% | 7.12% | -11.73% | -17.03% | -2,820 bps | |
| Loan Growth (YoY) | 10.71% | -5.53% | 6.96% | 7.64% | 3.40% | -731 bps | |
| Share Growth (YoY) | 12.69% | 5.16% | 8.89% | -9.34% | -12.46% | -2,515 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 3.32% | 3.58% | 3.45% | 3.00% | 2.93% | -38 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.79% | 0.18% | 0.12% | 2.12% | 2.34% | +155 bps | |
| Capital | |||||||
| Risk-Based Capital | 7.82% | 7.70% | 7.83% | 6.06% | 3.24% | -458 bps | |
| Net Worth / Assets | 7.82% | 7.70% | 7.83% | 6.06% | 3.24% | -458 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 62.26% | 64.53% | 65.31% | 72.11% | 73.55% | +1,129 bps | |
| Liquid Assets / Assets | 38.08% | 31.88% | 32.96% | 27.87% | 22.12% | -1,596 bps | |