Jefferson City, MO · Charter 68004
Q2 2005
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2005, the quarter ended June 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.
Jefferson City, MO · Charter 68004
Q2 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 | Q2 2004 | Q3 2004 | Q4 2004 | Q1 2005 | Q2 2005 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.27% | 0.24% | 0.28% | 0.61% | 0.91% | +65 bps | |
| Return on Equity | 2.73% | 2.38% | 2.76% | 6.14% | 8.98% | +625 bps | |
| Net Interest Margin | 3.40% | 3.46% | 3.53% | 3.45% | 3.51% | +11 bps | |
| Efficiency Ratio | 88.93% | 87.46% | 86.37% | 84.09% | 77.71% | -1,122 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -2.01% | -2.00% | -0.74% | 2.10% | 1.94% | +395 bps | |
| Loan Growth (YoY) | -0.73% | 2.91% | 6.84% | 6.47% | 7.59% | +831 bps | |
| Share Growth (YoY) | -2.20% | -2.50% | -1.09% | 1.86% | 1.30% | +350 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.63% | 0.64% | 0.38% | 0.40% | 0.32% | -31 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.72% | 0.73% | 0.78% | 0.82% | 0.86% | +14 bps | |
| Capital | |||||||
| Risk-Based Capital | 9.77% | 9.92% | 10.18% | 9.93% | 10.18% | +41 bps | |
| Net Worth / Assets | 9.77% | 9.92% | 10.18% | 9.93% | 10.18% | +41 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 64.26% | 67.41% | 69.44% | 65.37% | 68.25% | +399 bps | |
| Liquid Assets / Assets | 32.33% | 30.09% | 26.06% | 35.14% | 25.91% | -642 bps | |