Fort Wayne, IN · Charter 7168
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.
Fort Wayne, IN · Charter 7168
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 | -6.02% | 1.33% | 0.94% | -0.82% | -2.57% | +346 bps | |
| Return on Equity | -166.27% | 34.34% | 21.48% | -22.92% | -137.27% | +2,899 bps | |
| Net Interest Margin | 5.51% | 5.34% | 5.76% | 5.89% | 5.97% | +47 bps | |
| Efficiency Ratio | 95.45% | 81.89% | 75.79% | 81.59% | 84.84% | -1,062 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -17.22% | -18.06% | -19.29% | -18.84% | -18.31% | -109 bps | |
| Loan Growth (YoY) | -17.50% | -20.42% | -20.22% | -19.63% | -20.99% | -349 bps | |
| Share Growth (YoY) | -13.73% | -12.82% | -14.01% | -17.04% | -16.22% | -249 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 4.49% | 5.20% | 5.92% | 5.90% | 4.63% | +14 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 4.57% | 4.79% | 4.21% | 4.35% | 5.19% | +62 bps | |
| Capital | |||||||
| Risk-Based Capital | 3.62% | 3.87% | 4.40% | 3.59% | 1.87% | -175 bps | |
| Net Worth / Assets | 3.62% | 3.87% | 4.40% | 3.59% | 1.87% | -175 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 84.04% | 77.59% | 81.75% | 82.33% | 79.25% | -479 bps | |
| Liquid Assets / Assets | 12.61% | 13.99% | 8.61% | 8.09% | 10.73% | -188 bps | |