Decatur, AL · Charter 14559
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.
Decatur, AL · Charter 14559
Q3 2005
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 | Q4 2003 | Q1 2004 | Q2 2004 | Q3 2004 | Q4 2004 | Q1 2005 | Q2 2005 | Q3 2005 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.56% | 0.69% | 0.51% | 0.50% | 0.56% | 0.74% | 0.70% | 0.82% | +32 bps | |
| Return on Equity | 6.13% | 7.76% | 5.53% | 5.50% | 5.75% | 7.64% | 6.83% | 7.50% | +200 bps | |
| Net Interest Margin | 3.08% | 3.04% | 3.07% | 3.06% | 3.27% | 3.24% | 3.48% | 3.78% | +72 bps | |
| Efficiency Ratio | 83.55% | 79.05% | 84.70% | 85.09% | 84.49% | 80.90% | 82.56% | 80.93% | -416 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 8.15% | 13.55% | 7.80% | 4.88% | -0.51% | -1.64% | -3.35% | -10.72% | -1,560 bps | |
| Loan Growth (YoY) | -8.42% | -6.36% | -2.24% | 9.89% | 7.06% | 6.13% | 10.45% | 10.62% | +73 bps | |
| Share Growth (YoY) | 8.34% | 14.23% | 7.91% | 4.74% | -1.19% | -2.46% | -4.46% | -12.71% | -1,744 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.80% | 0.83% | 0.95% | 0.77% | 0.99% | 1.42% | 0.96% | 0.90% | +14 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.02% | 1.06% | 1.02% | 0.94% | 0.93% | 0.97% | 0.89% | 0.82% | -11 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 9.11% | 8.93% | 9.27% | 9.10% | 9.67% | 9.63% | 10.25% | 10.99% | +189 bps | |
| Net Worth / Assets | 9.11% | 8.93% | 9.27% | 9.10% | 9.67% | 9.63% | 10.25% | 10.99% | +189 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 57.20% | 53.42% | 58.20% | 61.12% | 61.98% | 58.12% | 67.29% | 77.45% | +1,633 bps | |
| Liquid Assets / Assets | 45.70% | 34.31% | 34.95% | 34.39% | 35.52% | 39.92% | 37.52% | 28.87% | -552 bps | |