Mohall, ND · Charter 64297
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.
Mohall, ND · Charter 64297
Q4 2005
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
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 2004 | Q1 2005 | Q2 2005 | Q3 2005 | Q4 2005 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.16% | -0.02% | 0.09% | 0.07% | -0.01% | -16 bps | |
| Return on Equity | 2.02% | -0.26% | 1.03% | 0.75% | -0.08% | -209 bps | |
| Net Interest Margin | 3.19% | 3.25% | 3.50% | 3.92% | 3.52% | +33 bps | |
| Efficiency Ratio | 95.63% | 100.60% | 97.62% | 98.34% | 100.17% | +454 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -0.77% | -9.32% | -9.00% | -11.08% | -9.20% | -843 bps | |
| Loan Growth (YoY) | 7.77% | 2.40% | 4.41% | -4.63% | -3.48% | -1,125 bps | |
| Share Growth (YoY) | -0.96% | -10.31% | -9.95% | -12.09% | -9.82% | -886 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.07% | 0.08% | 2.39% | 0.91% | 1.21% | +115 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 2.01% | 2.09% | 2.04% | 2.20% | 2.08% | +7 bps | |
| Capital | |||||||
| Risk-Based Capital | 7.77% | 8.08% | 8.83% | 9.40% | 8.55% | +78 bps | |
| Net Worth / Assets | 7.77% | 8.08% | 8.83% | 9.40% | 8.55% | +78 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 64.83% | 64.92% | 73.05% | 72.55% | 69.38% | +456 bps | |
| Liquid Assets / Assets | 35.46% | 35.67% | 28.25% | 28.59% | 31.15% | -431 bps | |