Newville, AL · Charter 16093
Q4 2005
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2005, the quarter ended December 31, 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.
Newville, AL · Charter 16093
Q4 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 | Q1 2004 | Q2 2004 | Q3 2004 | Q4 2004 | Q1 2005 | Q2 2005 | Q3 2005 | Q4 2005 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 3.20% | 3.19% | 3.69% | 2.61% | -4.97% | -0.38% | 0.48% | 1.53% | -108 bps | |
| Return on Equity | 15.59% | 15.11% | 17.02% | 12.06% | -23.88% | -1.77% | 2.14% | 6.64% | -542 bps | |
| Net Interest Margin | 7.05% | 6.78% | 6.78% | 6.82% | 6.18% | 6.28% | 6.40% | 6.38% | -44 bps | |
| Efficiency Ratio | 55.98% | 54.96% | 47.83% | 45.48% | 77.47% | 57.74% | 60.99% | 53.75% | +826 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 8.62% | 5.33% | 10.22% | 8.13% | 1.81% | 2.04% | -2.48% | 0.62% | -751 bps | |
| Loan Growth (YoY) | -1.58% | -0.49% | 0.14% | -0.99% | -14.85% | -0.44% | 6.02% | 21.67% | +2,266 bps | |
| Share Growth (YoY) | 6.45% | 3.03% | 7.77% | 6.68% | 1.46% | 1.46% | -3.45% | -1.17% | -785 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 9.41% | 8.15% | 9.56% | 11.11% | 2.30% | 7.57% | 4.52% | 6.16% | -495 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 | 4.65% | 1.92% | 1.90% | 2.69% | 1.56% | 1.37% | 1.43% | 1.39% | -130 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 20.55% | 21.11% | 21.68% | 21.68% | 20.82% | 21.55% | 22.41% | 23.07% | +140 bps | |
| Net Worth / Assets | 20.55% | 21.11% | 21.68% | 21.68% | 20.82% | 21.55% | 22.41% | 23.07% | +140 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 85.45% | 86.24% | 85.40% | 80.84% | 71.71% | 84.63% | 93.78% | 99.53% | +1,869 bps | |
| Liquid Assets / Assets | 34.62% | 32.90% | 34.29% | 37.60% | 43.47% | 34.17% | 28.26% | 23.72% | -1,388 bps | |