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Partners Financial

Richmond, VA · Charter 24716

Q2 2005

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, not published for this institution and quartern/a

Basis

Quarter: Q2 2005, the quarter ended June 30, 2005, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

No peer standings are published for this institution and quarter.

Peer groups below the disclosure floor are suppressed.

Source: NCUA 5300 Call Report, as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Partners Financial

Richmond, VA · Charter 24716

Q2 2005

$28.6MAssets
$20.0MLoans
$23.5MShares
$3.5MNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of 0.80%, up 33 bps year over year; NIM at 3.67%.
  • Asset quality: problem loans at 1.16% of loans (-150 bps YoY).
  • Capital: net worth / assets of 12.33%, down 17 bps from a year ago.
  • Funding: loans stand at 85.06% of shares as of Q2 2005.

Financial Results

Return on Assets (YTD, annualized)

0.80%+33 bps YoY

Net Interest Margin (YTD, annualized)

3.67%-9 bps YoY

Efficiency Ratio (YTD, annualized)

74.62%-64 bps YoY

Net Worth / Assets

12.33%-17 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2004Q3 2004Q4 2004Q1 2005Q2 2005YoY ΔTrend
Earnings
Return on Assets0.47%0.31%0.29%0.58%0.80%+33 bps
Return on Equity3.76%2.59%2.59%4.81%6.50%+274 bps
Net Interest Margin3.76%3.56%3.16%3.71%3.67%-9 bps
Efficiency Ratio75.26%77.45%77.41%75.37%74.62%-64 bps
Growth
Asset Growth (YoY)n/an/an/a3.60%6.93%n/a
Loan Growth (YoY)n/an/an/a7.01%10.22%n/a
Share Growth (YoY)n/an/an/a3.48%1.34%n/a
Asset Quality
Delinquent Loans / Loans2.66%2.33%2.28%1.58%1.16%-150 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans1.30%1.27%1.21%1.17%0.94%-36 bps
Capital
Risk-Based Capital12.49%12.09%11.07%12.01%12.33%-17 bps
Net Worth / Assets12.49%12.09%11.07%12.01%12.33%-17 bps
Liquidity & Funding
Loans / Shares78.21%76.09%69.48%76.41%85.06%+685 bps
Liquid Assets / Assets23.22%28.23%34.01%28.71%25.67%+245 bps