Clarinda, IA · Charter 64164
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 | 0.68% | -0.20% | -18.30% | -12.19% | -9.83% | -0.75% | 0.78% | 0.89% | +1,307 bps | |
| Return on Equity | 2.04% | -0.60% | -66.80% | -44.48% | -35.52% | -2.72% | 2.78% | 3.13% | +4,761 bps | |
| Net Interest Margin | 5.31% | 3.95% | 3.46% | 2.63% | 2.88% | 0.89% | 2.20% | 2.17% | -47 bps | |
| Efficiency Ratio | 87.21% | 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 / Loans | 4.66% | 40.24% | 0.00% | 0.00% | 0.00% | 0.00% | 31.56% | 100.00% | +10,000 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 | 17.10% | 14.77% | 14.26% | 17.26% | 22.43% | 33.92% | 107.19% | 571% | +55,400 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 33.27% | 33.71% | 27.40% | 27.40% | 27.66% | 27.73% | 28.14% | 28.35% | +96 bps | |
| Net Worth / Assets | 33.27% | 33.71% | 27.40% | 27.40% | 27.66% | 27.73% | 28.14% | 28.35% | +96 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 42.31% | 49.68% | 23.98% | 19.81% | 17.32% | 11.45% | 3.62% | 0.68% | -1,913 bps | |
| Liquid Assets / Assets | 75.60% | 0.00% | 84.03% | 87.06% | 0.00% | 0.00% | 0.00% | 0.00% | -8,706 bps | |