Fairfield, IA · Charter 61212
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.
Fairfield, IA · Charter 61212
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 | 0.36% | 1.03% | 0.76% | 0.47% | 0.46% | -0.52% | -0.21% | 0.07% | -40 bps | |
| Return on Equity | 3.40% | 9.51% | 6.88% | 4.18% | 4.04% | -4.80% | -1.93% | 0.67% | -351 bps | |
| Net Interest Margin | 4.22% | 4.10% | 4.05% | 4.14% | 4.08% | 3.96% | 3.95% | 4.04% | -10 bps | |
| Efficiency Ratio | 82.22% | 81.67% | 81.83% | 84.66% | 85.65% | 95.07% | 90.02% | 88.14% | +347 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 18.86% | 6.71% | -1.13% | -5.52% | -1.39% | 0.72% | -0.06% | 1.82% | +734 bps | |
| Loan Growth (YoY) | 12.51% | 9.10% | 5.62% | -5.18% | -5.18% | -3.03% | -0.50% | 3.16% | +834 bps | |
| Share Growth (YoY) | 20.72% | 6.91% | -1.57% | -6.23% | -1.93% | 0.89% | 0.09% | 1.99% | +821 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.40% | 0.74% | 0.97% | 1.34% | 1.06% | 0.73% | 0.15% | 0.05% | -129 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 | 1.20% | 1.21% | 1.15% | 1.21% | 0.99% | 1.16% | 1.07% | 1.06% | -15 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 10.67% | 10.83% | 11.01% | 11.31% | 11.28% | 10.81% | 10.85% | 11.14% | -17 bps | |
| Net Worth / Assets | 10.67% | 10.83% | 11.01% | 11.31% | 11.28% | 10.81% | 10.85% | 11.14% | -17 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 71.26% | 69.13% | 69.64% | 70.91% | 68.90% | 66.44% | 69.23% | 71.73% | +82 bps | |
| Liquid Assets / Assets | 26.58% | 29.83% | 29.62% | 26.84% | 31.73% | 33.77% | 31.38% | 29.55% | +271 bps | |