Howard, SD · Charter 9587
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.
Howard, SD · Charter 9587
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 | 2.10% | 2.48% | 2.29% | 0.90% | 1.06% | -105 bps | |
| Return on Equity | 13.69% | 15.49% | 13.10% | 5.14% | 6.11% | -758 bps | |
| Net Interest Margin | 5.99% | 5.75% | 6.16% | 6.62% | 5.45% | -54 bps | |
| Efficiency Ratio | 73.23% | 70.17% | 72.88% | 88.07% | 82.91% | +968 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 9.81% | -6.18% | -14.47% | -5.55% | -1.93% | -1,174 bps | |
| Loan Growth (YoY) | -1.94% | -5.74% | 13.87% | 1.91% | 6.58% | +851 bps | |
| Share Growth (YoY) | 9.67% | -9.27% | -19.61% | -8.51% | -4.32% | -1,399 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 2.77% | 3.76% | 2.68% | 3.29% | 4.38% | +162 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 2.21% | 1.08% | 1.21% | 1.43% | 1.43% | -79 bps | |
| Capital | |||||||
| Risk-Based Capital | 15.36% | 16.01% | 17.50% | 17.52% | 17.32% | +196 bps | |
| Net Worth / Assets | 15.36% | 16.01% | 17.50% | 17.52% | 17.32% | +196 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 86.84% | 84.42% | 101.47% | 98.37% | 96.73% | +989 bps | |
| Liquid Assets / Assets | 23.78% | 25.26% | 13.07% | 15.70% | 17.54% | -624 bps | |