Creston, IA · Charter 23157
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.
Creston, IA · Charter 23157
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 | 0.16% | 0.03% | 0.02% | -0.46% | -0.13% | -29 bps | |
| Return on Equity | 2.00% | 0.36% | 0.29% | -6.00% | -1.75% | -375 bps | |
| Net Interest Margin | 1.48% | 4.82% | 4.15% | 4.22% | 4.30% | +282 bps | |
| Efficiency Ratio | 89.21% | 91.96% | 99.43% | 91.31% | 90.68% | +147 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 5.83% | 0.32% | 3.73% | -0.83% | 2.86% | -297 bps | |
| Loan Growth (YoY) | 2.79% | -8.38% | -4.24% | -8.07% | -5.39% | -818 bps | |
| Share Growth (YoY) | 7.22% | 0.32% | 4.12% | -0.60% | 3.39% | -383 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 1.85% | 2.11% | 1.48% | 1.62% | 1.36% | -49 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.22% | 0.11% | 0.11% | 0.51% | 0.50% | +28 bps | |
| Capital | |||||||
| Risk-Based Capital | 8.07% | 8.87% | 8.27% | 7.74% | 7.60% | -47 bps | |
| Net Worth / Assets | 8.07% | 8.87% | 8.27% | 7.74% | 7.60% | -47 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 71.21% | 72.00% | 64.67% | 66.92% | 65.16% | -605 bps | |
| Liquid Assets / Assets | 32.13% | 31.32% | 37.83% | 36.13% | 37.77% | +563 bps | |