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F U S A

Clarinda, IA · Charter 64164

Q3 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: 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.

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

F U S A

Clarinda, IA · Charter 64164

Q3 2005

$54KAssets
$0KLoans
$38KShares
$15KNet Worth

Executive Summary

  • Earnings: ROA of 0.89%, up 1,307 bps year over year; NIM at 2.17%.
  • Asset quality: problem loans at 100.00% of loans (+10,000 bps YoY).
  • Capital: net worth / assets of 28.35%, up 96 bps from a year ago.
  • Funding: loans stand at 0.68% of shares as of Q3 2005.

Return on Assets (YTD, annualized)

0.89%+1,307 bps YoY

Net Interest Margin (YTD, annualized)

2.17%-47 bps YoY

Efficiency Ratio (YTD, annualized)

58.97%-3,110 bps YoY

Net Worth / Assets

28.35%+96 bps YoY

Year to date, annualized, through each quarter.

MetricQ4 2003Q1 2004Q2 2004Q3 2004Q4 2004Q1 2005Q2 2005Q3 2005YoY ΔTrend
Earnings
Return on Assets0.68%-0.20%-18.30%-12.19%-9.83%-0.75%0.78%0.89%+1,307 bps
Return on Equity2.04%-0.60%-66.80%-44.48%-35.52%-2.72%2.78%3.13%+4,761 bps
Net Interest Margin5.31%3.95%3.46%2.63%2.88%0.89%2.20%2.17%-47 bps
Efficiency Ratio87.21%105.15%89.09%90.06%108.55%184.75%64.46%58.97%-3,110 bps
Growth
Asset Growth (YoY)-13.66%0.90%-6.86%-6.60%-10.83%-10.07%-1.92%-1.72%+488 bps
Loan Growth (YoY)-25.50%-23.48%-56.20%-60.73%-60.30%-77.33%-85.33%-96.67%-3,594 bps
Share Growth (YoY)-19.69%0.04%2.95%3.35%-3.02%-1.64%-2.91%-2.91%-626 bps
Asset Quality
Delinquent Loans / Loans4.66%40.24%0.00%0.00%0.00%0.00%31.56%100.00%+10,000 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans17.10%14.77%14.26%17.26%22.43%33.92%107.19%571%+55,400 bps
Capital
Risk-Based Capital33.27%33.71%27.40%27.40%27.66%27.73%28.14%28.35%+96 bps
Net Worth / Assets33.27%33.71%27.40%27.40%27.66%27.73%28.14%28.35%+96 bps
Liquidity & Funding
Loans / Shares42.31%49.68%23.98%19.81%17.32%11.45%3.62%0.68%-1,913 bps
Liquid Assets / Assets75.60%0.00%84.03%87.06%0.00%0.00%0.00%0.00%-8,706 bps