Inver Grove Hgt, MN · Charter 24622
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.
Inver Grove Hgt, MN · Charter 24622
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 | -0.31% | -0.29% | -0.55% | -0.46% | -0.38% | -0.62% | -2.52% | -3.34% | -288 bps | |
| Return on Equity | -2.62% | -2.53% | -4.99% | -4.39% | -3.81% | -5.81% | -22.96% | -32.57% | -2,818 bps | |
| Net Interest Margin | 3.54% | 3.71% | 3.59% | 3.40% | 3.18% | 3.21% | 4.03% | 4.33% | +93 bps | |
| Efficiency Ratio | 104.36% | 107.45% | 121.51% | 117.29% | 113.57% | 140.84% | 154.81% | 158.12% | +4,083 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 7.09% | 5.86% | 4.34% | 8.23% | 13.27% | 4.32% | -10.93% | -18.65% | -2,688 bps | |
| Loan Growth (YoY) | 44.77% | 35.67% | 33.49% | 7.52% | -11.02% | -16.35% | -13.60% | -17.92% | -2,544 bps | |
| Share Growth (YoY) | 8.63% | 7.11% | 5.47% | 9.67% | 15.49% | 5.43% | -10.86% | -18.42% | -2,809 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.93% | 0.80% | 0.61% | 0.41% | 4.33% | 0.49% | 1.78% | 0.07% | -33 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 | 0.49% | 0.48% | 0.29% | 0.31% | 0.37% | 0.05% | 0.18% | 0.74% | +44 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 11.85% | 11.57% | 11.03% | 10.42% | 10.08% | 10.60% | 10.97% | 10.25% | -18 bps | |
| Net Worth / Assets | 11.85% | 11.57% | 11.03% | 10.42% | 10.08% | 10.60% | 10.97% | 10.25% | -18 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 84.06% | 83.22% | 83.73% | 74.52% | 64.76% | 66.03% | 81.16% | 74.97% | +45 bps | |
| Liquid Assets / Assets | 24.87% | 24.43% | 23.29% | 31.19% | 39.45% | 38.22% | 24.43% | 30.05% | -114 bps | |