Angola, IN · Charter 18399
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.
Angola, IN · Charter 18399
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 | 0.82% | 0.95% | 0.43% | 0.94% | -15.04% | -1,586 bps | |
| Return on Equity | 3.72% | 4.25% | 1.93% | 4.14% | -131.78% | -13,550 bps | |
| Net Interest Margin | 1.73% | 1.78% | 1.96% | 2.01% | -14.12% | -1,585 bps | |
| Efficiency Ratio | 53.17% | 47.09% | 78.17% | 53.72% | n/a | n/a | |
| Growth | |||||||
| Asset Growth (YoY) | 1.19% | -1.84% | -2.63% | -3.51% | -1.18% | -236 bps | |
| Loan Growth (YoY) | -1.60% | 3.27% | 8.66% | 4.62% | 1.35% | +295 bps | |
| Share Growth (YoY) | 0.30% | -3.52% | -4.53% | -5.81% | 12.38% | +1,209 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 9.57% | 9.01% | 9.29% | 8.10% | 9.14% | -43 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 8.72% | 9.07% | 8.08% | 8.50% | 8.74% | +2 bps | |
| Capital | |||||||
| Risk-Based Capital | 22.09% | 22.48% | 22.30% | 22.73% | 11.41% | -1,068 bps | |
| Net Worth / Assets | 22.09% | 22.48% | 22.30% | 22.73% | 11.41% | -1,068 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 40.28% | 39.99% | 39.98% | 40.75% | 36.33% | -396 bps | |
| Liquid Assets / Assets | 69.62% | 70.01% | 69.67% | 69.44% | 68.83% | -79 bps | |