Beloit, WI · Charter 67180
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.
Beloit, WI · Charter 67180
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 | 0.73% | -5.40% | -3.29% | -1.85% | -9.07% | -980 bps | |
| Return on Equity | 3.22% | -23.28% | -14.72% | -8.06% | -50.06% | -5,328 bps | |
| Net Interest Margin | 5.97% | 6.14% | 6.13% | 6.26% | 0.11% | -586 bps | |
| Efficiency Ratio | 86.97% | 86.57% | 101.46% | 94.99% | 4054% | +396,708 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 0.12% | -7.21% | -7.72% | -12.36% | -16.88% | -1,701 bps | |
| Loan Growth (YoY) | -2.83% | -8.18% | -12.93% | -7.13% | -13.98% | -1,115 bps | |
| Share Growth (YoY) | -0.94% | -8.43% | -7.31% | -13.08% | -11.79% | -1,085 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 9.52% | 9.12% | 2.75% | 1.32% | 1.38% | -813 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 6.80% | 9.95% | 8.62% | 8.82% | 9.33% | +253 bps | |
| Capital | |||||||
| Risk-Based Capital | 22.59% | 23.20% | 22.35% | 22.98% | 18.11% | -448 bps | |
| Net Worth / Assets | 22.59% | 23.20% | 22.35% | 22.98% | 18.11% | -448 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 76.59% | 77.56% | 77.87% | 78.51% | 74.69% | -190 bps | |
| Liquid Assets / Assets | 42.91% | 43.93% | 42.53% | 42.88% | 42.71% | -20 bps | |