Scott City, MO · Charter 67733
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.
Scott City, MO · Charter 67733
Q3 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 | Q3 2004 | Q4 2004 | Q1 2005 | Q2 2005 | Q3 2005 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -3.24% | -7.09% | -11.48% | -8.05% | -5.24% | -200 bps | |
| Return on Equity | -35.49% | -121.70% | -283% | -243% | -143.36% | -10,788 bps | |
| Net Interest Margin | 6.42% | 6.56% | 7.45% | 7.18% | 6.96% | +55 bps | |
| Efficiency Ratio | 49.77% | 48.21% | 35.98% | 43.56% | 42.29% | -748 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -11.18% | -14.08% | -24.30% | -25.96% | -23.46% | -1,227 bps | |
| Loan Growth (YoY) | -1.43% | -14.57% | -10.88% | -8.87% | -31.73% | -3,029 bps | |
| Share Growth (YoY) | -10.65% | -10.00% | -19.61% | -21.67% | -18.99% | -833 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 23.01% | 25.52% | 23.04% | 26.74% | 16.89% | -613 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 5.31% | 14.20% | 15.42% | 17.61% | 6.19% | +88 bps | |
| Capital | |||||||
| Risk-Based Capital | 9.14% | 5.83% | 4.05% | 3.32% | 3.66% | -548 bps | |
| Net Worth / Assets | 9.14% | 5.83% | 4.05% | 3.32% | 3.66% | -548 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 86.44% | 73.35% | 79.00% | 83.38% | 72.84% | -1,359 bps | |
| Liquid Assets / Assets | 23.10% | 37.24% | 27.86% | 28.58% | 29.66% | +656 bps | |