Logansport, IN · Charter 97064
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.
Logansport, IN · Charter 97064
Q3 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 | Q4 2003 | Q1 2004 | Q2 2004 | Q3 2004 | Q4 2004 | Q1 2005 | Q2 2005 | Q3 2005 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.01% | -0.06% | -0.41% | -0.27% | -1.21% | 0.61% | 0.79% | -0.35% | -9 bps | |
| Return on Equity | -0.06% | -0.47% | -3.29% | -2.12% | -10.08% | 4.70% | 5.70% | -2.67% | -55 bps | |
| Net Interest Margin | 3.45% | 3.32% | 3.14% | 3.34% | 3.39% | 3.82% | 3.93% | 4.08% | +74 bps | |
| Efficiency Ratio | 98.73% | 101.48% | 104.68% | 96.73% | 93.13% | 82.01% | 81.05% | 83.01% | -1,372 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 4.47% | 3.21% | -1.87% | 2.94% | -1.80% | -10.62% | -13.64% | -11.91% | -1,484 bps | |
| Loan Growth (YoY) | -6.91% | -1.42% | -0.61% | 6.64% | 14.46% | 8.01% | 3.89% | -2.59% | -923 bps | |
| Share Growth (YoY) | 5.42% | 4.01% | -1.66% | 3.73% | -0.77% | -10.99% | -14.81% | -12.16% | -1,589 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 6.41% | 4.90% | 7.37% | 8.10% | 7.76% | 5.25% | 4.09% | 0.92% | -718 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 | 1.88% | 1.60% | 1.71% | 1.72% | 4.12% | 3.14% | 2.48% | 2.65% | +94 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 12.76% | 12.39% | 12.44% | 12.73% | 12.00% | 12.97% | 13.92% | 13.28% | +56 bps | |
| Net Worth / Assets | 12.76% | 12.39% | 12.44% | 12.73% | 12.00% | 12.97% | 13.92% | 13.28% | +56 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 49.40% | 54.29% | 59.31% | 61.11% | 56.98% | 65.88% | 72.32% | 67.78% | +666 bps | |
| Liquid Assets / Assets | 49.29% | 42.70% | 43.51% | 38.30% | 46.28% | 38.08% | 32.91% | 35.07% | -323 bps | |