Huron, SD · Charter 9675
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.
Huron, SD · Charter 9675
Q4 2005
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 | Q1 2004 | Q2 2004 | Q3 2004 | Q4 2004 | Q1 2005 | Q2 2005 | Q3 2005 | Q4 2005 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.79% | -0.49% | -0.36% | -0.18% | 0.28% | 0.41% | -0.51% | -0.40% | -21 bps | |
| Return on Equity | -6.74% | -4.05% | -2.89% | -1.33% | 2.01% | 2.81% | -3.52% | -2.58% | -124 bps | |
| Net Interest Margin | 3.04% | 3.33% | 3.53% | 4.02% | 4.27% | 4.54% | 4.83% | 4.92% | +90 bps | |
| Efficiency Ratio | 124.85% | 113.69% | 109.37% | 104.28% | 93.87% | 91.45% | 85.30% | 88.23% | -1,605 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 14.30% | 2.97% | 0.49% | -14.76% | -15.00% | -16.07% | -15.95% | -12.11% | +265 bps | |
| Loan Growth (YoY) | -4.00% | 12.12% | 20.23% | 23.85% | 27.32% | 25.12% | 9.21% | 6.14% | -1,771 bps | |
| Share Growth (YoY) | 17.34% | 3.62% | 0.72% | -16.45% | -17.04% | -18.46% | -17.64% | -13.80% | +265 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 2.47% | 0.68% | 0.62% | 0.73% | 1.65% | 0.41% | 0.43% | 0.27% | -46 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 2.78% | 1.60% | 1.61% | 1.54% | 1.11% | 1.10% | 1.02% | 0.21% | -133 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 11.76% | 12.13% | 12.33% | 13.85% | 13.94% | 14.75% | 14.40% | 15.36% | +151 bps | |
| Net Worth / Assets | 11.76% | 12.13% | 12.33% | 13.85% | 13.94% | 14.75% | 14.40% | 15.36% | +151 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 62.08% | 70.99% | 79.75% | 91.48% | 95.28% | 108.94% | 105.74% | 112.64% | +2,116 bps | |
| Liquid Assets / Assets | 44.32% | 35.65% | 28.61% | 19.23% | 15.91% | 4.62% | 6.99% | 1.69% | -1,754 bps | |