Washington, IA · Charter 64567
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.
Washington, IA · Charter 64567
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 | -1.33% | -1.18% | -0.95% | -0.51% | -0.32% | 1.16% | 0.57% | 0.72% | +123 bps | |
| Return on Equity | -13.97% | -12.23% | -9.58% | -4.70% | -2.74% | 9.03% | 4.47% | 5.07% | +977 bps | |
| Net Interest Margin | 5.66% | 5.21% | 5.20% | 5.97% | 6.68% | 8.07% | 7.31% | 8.35% | +238 bps | |
| Efficiency Ratio | 93.78% | 120.14% | 116.46% | 107.77% | 104.43% | 86.56% | 92.86% | 92.07% | -1,570 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -6.45% | -12.36% | -16.10% | -21.27% | -21.03% | -23.07% | -18.47% | -21.30% | -3 bps | |
| Loan Growth (YoY) | -20.44% | -20.56% | -8.67% | -4.44% | 16.77% | 47.19% | 46.65% | 23.43% | +2,787 bps | |
| Share Growth (YoY) | -5.79% | -12.38% | -16.38% | -22.13% | -23.08% | -25.87% | -20.35% | -24.23% | -210 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 5.81% | 7.83% | 3.63% | 2.86% | 0.93% | 3.52% | 11.52% | 19.98% | +1,712 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 | 1.12% | 1.35% | 1.17% | 0.94% | 0.82% | 0.74% | 0.73% | 0.76% | -18 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 9.51% | 9.64% | 9.93% | 10.81% | 11.72% | 12.87% | 12.70% | 14.16% | +335 bps | |
| Net Worth / Assets | 9.51% | 9.64% | 9.93% | 10.81% | 11.72% | 12.87% | 12.70% | 14.16% | +335 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 57.46% | 52.83% | 56.52% | 70.58% | 87.23% | 104.90% | 104.07% | 114.98% | +4,440 bps | |
| Liquid Assets / Assets | 47.42% | 51.75% | 48.50% | 36.40% | 22.41% | 8.17% | 8.00% | 0.60% | -3,581 bps | |