Alexandria, LA · Charter 10554
Q1 2004
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2004, the quarter ended March 31, 2004, 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.
Alexandria, LA · Charter 10554
Q1 2004
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 | Q1 2003 | Q2 2003 | Q3 2003 | Q4 2003 | Q1 2004 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.86% | 2.02% | 0.77% | 1.06% | -0.33% | -119 bps | |
| Return on Equity | 3.54% | 8.31% | 3.08% | 3.95% | -1.20% | -473 bps | |
| Net Interest Margin | 5.80% | 6.17% | 6.13% | 6.92% | 8.09% | +230 bps | |
| Efficiency Ratio | 79.72% | 79.29% | 81.07% | 78.19% | 92.81% | +1,309 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 7.69% | 3.34% | 1.14% | 2.72% | -9.30% | -1,699 bps | |
| Loan Growth (YoY) | -7.69% | -6.94% | -2.55% | -9.63% | 1.53% | +922 bps | |
| Share Growth (YoY) | 6.74% | 4.23% | 3.66% | 1.84% | -11.32% | -1,806 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 4.87% | 4.95% | 6.38% | 4.97% | 3.92% | -95 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.91% | 2.13% | 1.81% | 0.36% | 0.49% | -142 bps | |
| Capital | |||||||
| Risk-Based Capital | 24.24% | 24.35% | 25.06% | 26.76% | 27.66% | +342 bps | |
| Net Worth / Assets | 24.24% | 24.35% | 25.06% | 26.76% | 27.66% | +342 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 102.48% | 98.18% | 99.29% | 104.69% | 117.33% | +1,485 bps | |
| Liquid Assets / Assets | 19.06% | 22.70% | 22.50% | 16.71% | 8.97% | -1,009 bps | |