Quincy, IL · Charter 61845
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.
Quincy, IL · Charter 61845
Q4 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 | Q1 2004 | Q2 2004 | Q3 2004 | Q4 2004 | Q1 2005 | Q2 2005 | Q3 2005 | Q4 2005 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.24% | -0.11% | -0.04% | 0.01% | 0.59% | 0.51% | 0.67% | 1.01% | +100 bps | |
| Return on Equity | -2.33% | -1.01% | -0.37% | 0.10% | 5.34% | 4.37% | 5.39% | 7.33% | +723 bps | |
| Net Interest Margin | 3.31% | 3.39% | 3.25% | 3.61% | 3.90% | 4.20% | 4.46% | 4.88% | +127 bps | |
| Efficiency Ratio | 105.51% | 101.37% | 99.60% | 97.25% | 88.45% | 91.10% | 86.96% | 83.27% | -1,398 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 6.25% | 3.78% | 8.32% | 2.20% | -5.21% | -7.50% | -14.78% | -13.86% | -1,606 bps | |
| Loan Growth (YoY) | -5.14% | 2.86% | 6.07% | 10.99% | 7.87% | 10.15% | 8.88% | 6.21% | -478 bps | |
| Share Growth (YoY) | 7.76% | 4.51% | 9.52% | 2.21% | -6.11% | -8.88% | -17.05% | -16.41% | -1,862 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.96% | 0.95% | 1.74% | 1.90% | 1.66% | 1.98% | 2.88% | 1.27% | -63 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 | 1.28% | 1.14% | 1.09% | 1.24% | 1.18% | 1.11% | 1.21% | 1.15% | -9 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 10.32% | 10.58% | 10.05% | 11.01% | 11.11% | 11.76% | 12.34% | 13.79% | +278 bps | |
| Net Worth / Assets | 10.32% | 10.58% | 10.05% | 11.01% | 11.11% | 11.76% | 12.34% | 13.79% | +278 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 50.73% | 54.71% | 54.06% | 60.95% | 58.28% | 66.14% | 70.96% | 77.45% | +1,650 bps | |
| Liquid Assets / Assets | 48.29% | 44.94% | 45.81% | 40.29% | 41.90% | 35.43% | 31.76% | 27.03% | -1,327 bps | |