Mt. Morris, IL · Charter 60332
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.
Mt. Morris, IL · Charter 60332
Q4 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 | Q4 2004 | Q1 2005 | Q2 2005 | Q3 2005 | Q4 2005 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -1.06% | -0.48% | -0.26% | -0.27% | -0.38% | +68 bps | |
| Return on Equity | -14.05% | -6.62% | -3.37% | -3.27% | -4.56% | +949 bps | |
| Net Interest Margin | 3.75% | 3.70% | 4.17% | 4.42% | 4.68% | +93 bps | |
| Efficiency Ratio | 115.84% | 110.64% | 100.97% | 101.71% | 103.30% | -1,253 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -1.71% | -3.96% | -8.07% | -11.74% | -13.78% | -1,207 bps | |
| Loan Growth (YoY) | 4.05% | 8.38% | 8.35% | 0.76% | -0.81% | -486 bps | |
| Share Growth (YoY) | -0.71% | -3.56% | -8.36% | -12.44% | -14.57% | -1,386 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.63% | 0.55% | 0.60% | 0.82% | 0.95% | +32 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.63% | 0.72% | 0.66% | 0.75% | 0.86% | +24 bps | |
| Capital | |||||||
| Risk-Based Capital | 7.55% | 7.21% | 7.77% | 8.10% | 8.42% | +86 bps | |
| Net Worth / Assets | 7.55% | 7.21% | 7.77% | 8.10% | 8.42% | +86 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 55.01% | 54.06% | 61.53% | 61.98% | 63.87% | +886 bps | |
| Liquid Assets / Assets | 42.78% | 40.44% | 33.46% | 32.32% | 30.06% | -1,272 bps | |