St. Joseph, MO · Charter 64500
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.
St. Joseph, MO · Charter 64500
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 | -0.11% | -1.04% | -0.96% | -0.29% | 0.16% | 0.79% | 0.95% | -0.46% | -17 bps | |
| Return on Equity | -0.61% | -6.09% | -5.69% | -1.69% | 0.88% | 4.59% | 5.44% | -2.75% | -106 bps | |
| Net Interest Margin | 5.22% | 5.15% | 5.06% | 5.15% | 5.30% | 5.21% | 5.19% | 4.74% | -41 bps | |
| Efficiency Ratio | 88.25% | 86.60% | 85.18% | 83.04% | 80.39% | 76.51% | 75.92% | 84.69% | +165 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -0.04% | -3.80% | -4.60% | -4.05% | -2.47% | 1.43% | 2.84% | 3.81% | +785 bps | |
| Loan Growth (YoY) | 2.76% | 2.75% | 4.46% | 4.97% | 2.88% | 7.74% | 1.68% | -1.50% | -647 bps | |
| Share Growth (YoY) | 0.15% | -3.98% | -4.68% | -4.25% | -3.36% | 0.79% | 1.88% | 4.44% | +870 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 2.46% | 0.95% | 1.72% | 0.76% | 1.50% | 0.31% | 0.52% | 0.80% | +3 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 | 1.82% | 1.65% | 1.83% | 0.91% | 0.80% | 0.62% | 0.64% | 1.68% | +77 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 17.52% | 17.00% | 16.89% | 17.38% | 18.12% | 17.30% | 17.52% | 16.82% | -56 bps | |
| Net Worth / Assets | 17.52% | 17.00% | 16.89% | 17.38% | 18.12% | 17.30% | 17.52% | 16.82% | -56 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 86.35% | 81.14% | 83.91% | 89.67% | 91.94% | 86.75% | 83.74% | 84.57% | -510 bps | |
| Liquid Assets / Assets | 23.27% | 26.40% | 24.19% | 20.13% | 18.56% | 22.28% | 25.20% | 24.23% | +410 bps | |