Archer City, TX · Charter 61236
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.
Archer City, TX · Charter 61236
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 | -0.17% | 1.71% | 0.77% | 1.21% | 0.12% | 0.38% | 0.84% | 0.87% | -35 bps | |
| Return on Equity | -1.63% | 15.89% | 7.43% | 10.98% | 1.15% | 3.58% | 7.75% | 7.70% | -327 bps | |
| Net Interest Margin | 4.83% | 5.73% | 4.98% | 5.55% | 5.64% | 5.52% | 5.51% | 5.34% | -21 bps | |
| Efficiency Ratio | 75.45% | 69.93% | 83.21% | 77.39% | 79.59% | 91.14% | 83.93% | 82.77% | +538 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 30.42% | 16.79% | 21.18% | 2.09% | -2.50% | -1.39% | -3.12% | -3.27% | -537 bps | |
| Loan Growth (YoY) | 49.18% | 45.68% | 40.86% | 5.39% | -3.40% | -8.85% | -15.92% | -34.27% | -3,966 bps | |
| Share Growth (YoY) | 35.53% | 19.55% | 24.73% | 2.22% | -2.88% | -15.15% | -14.75% | -14.86% | -1,708 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 3.68% | 5.82% | 5.49% | 3.83% | 0.00% | 1.33% | 0.29% | 0.35% | -348 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 | 3.44% | 3.45% | 3.40% | 3.48% | 3.71% | 3.95% | 4.18% | 5.47% | +200 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 10.27% | 10.78% | 10.39% | 11.05% | 10.65% | 10.71% | 10.87% | 11.26% | +21 bps | |
| Net Worth / Assets | 10.27% | 10.78% | 10.39% | 11.05% | 10.65% | 10.71% | 10.87% | 11.26% | +21 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 92.53% | 94.44% | 93.38% | 94.26% | 92.03% | 101.46% | 92.10% | 72.77% | -2,149 bps | |
| Liquid Assets / Assets | 18.39% | 16.88% | 17.79% | 17.93% | 19.76% | 23.67% | 29.24% | 45.12% | +2,719 bps | |