Goessel, KS · Charter 6566
Q1 2006
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2006, the quarter ended March 31, 2006, 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.
Goessel, KS · Charter 6566
Q1 2006
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 | Q2 2004 | Q3 2004 | Q4 2004 | Q1 2005 | Q2 2005 | Q3 2005 | Q4 2005 | Q1 2006 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.02% | 0.15% | 0.21% | 0.26% | 0.20% | 0.28% | 0.29% | 0.59% | +32 bps | |
| Return on Equity | 0.13% | 0.90% | 1.28% | 1.50% | 1.14% | 1.51% | 1.62% | 3.26% | +176 bps | |
| Net Interest Margin | 2.79% | 2.91% | 2.93% | 3.23% | 3.26% | 3.46% | 3.36% | 3.41% | +18 bps | |
| Efficiency Ratio | 97.87% | 93.53% | 91.57% | 90.71% | 92.75% | 91.39% | 91.06% | 82.33% | -838 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -0.43% | -2.86% | 0.54% | -5.33% | -3.97% | -5.48% | -3.96% | -0.40% | +494 bps | |
| Loan Growth (YoY) | -13.88% | -1.79% | 4.84% | 8.81% | 14.88% | 8.79% | -3.98% | -6.67% | -1,548 bps | |
| Share Growth (YoY) | -0.53% | -3.52% | -4.97% | -6.65% | -7.07% | -7.01% | 0.40% | -0.98% | +567 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.31% | 0.01% | 0.01% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 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 | 1.30% | 1.25% | 1.12% | 1.19% | 1.22% | 1.17% | 1.17% | 1.27% | +8 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 16.58% | 17.01% | 16.77% | 17.54% | 17.56% | 18.31% | 17.75% | 17.98% | +44 bps | |
| Net Worth / Assets | 16.58% | 17.01% | 16.77% | 17.54% | 17.56% | 18.31% | 17.75% | 17.98% | +44 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 48.94% | 53.34% | 62.43% | 59.70% | 60.50% | 62.41% | 59.71% | 56.27% | -343 bps | |
| Liquid Assets / Assets | 36.78% | 29.53% | 25.15% | 20.65% | 23.13% | 26.89% | 32.11% | 38.01% | +1,736 bps | |