Meadow Grove, NE · Charter 66273
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.
Meadow Grove, NE · Charter 66273
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 | 1.97% | 1.69% | 1.88% | 1.89% | 1.93% | 2.21% | 1.24% | 0.62% | -127 bps | |
| Return on Equity | 25.54% | 20.49% | 21.10% | 19.46% | 19.19% | 20.39% | 11.62% | 6.10% | -1,337 bps | |
| Net Interest Margin | 4.46% | 5.41% | 5.35% | 5.40% | 5.52% | 6.27% | 5.46% | 4.52% | -88 bps | |
| Efficiency Ratio | 56.30% | 67.40% | 64.71% | 64.94% | 65.03% | 61.10% | 70.15% | 88.14% | +2,320 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 13.11% | 6.17% | 3.62% | -2.06% | -5.38% | -6.28% | -1.85% | 6.11% | +816 bps | |
| Loan Growth (YoY) | 17.29% | 6.98% | 0.37% | 2.25% | -9.04% | -7.26% | 0.59% | -4.54% | -679 bps | |
| Share Growth (YoY) | 11.63% | 4.37% | 6.22% | -4.97% | -7.87% | -9.12% | -3.93% | 5.33% | +1,030 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.31% | 1.42% | 0.93% | 1.44% | 3.75% | 6.65% | 2.24% | 4.98% | +353 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 | 7.57% | 0.32% | 0.36% | 0.37% | 0.46% | 0.56% | 0.51% | 0.88% | +52 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 7.71% | 8.24% | 8.90% | 9.69% | 10.05% | 10.84% | 10.65% | 10.14% | +45 bps | |
| Net Worth / Assets | 7.71% | 8.24% | 8.90% | 9.69% | 10.05% | 10.84% | 10.65% | 10.14% | +45 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 106.95% | 101.59% | 103.93% | 109.05% | 105.58% | 103.66% | 108.82% | 98.83% | -1,022 bps | |
| Liquid Assets / Assets | 5.06% | 4.06% | 2.72% | 0.00% | 1.92% | 4.95% | -0.42% | 9.23% | +923 bps | |