Bonner, MT · Charter 11033
Q1 2005
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2005, the quarter ended March 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.
Bonner, MT · Charter 11033
Q1 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 | Q1 2004 | Q2 2004 | Q3 2004 | Q4 2004 | Q1 2005 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.80% | 1.48% | 1.61% | 0.81% | -7.35% | -916 bps | |
| Return on Equity | 12.34% | 9.76% | 10.29% | 5.27% | -59.87% | -7,220 bps | |
| Net Interest Margin | 3.42% | 3.47% | 3.46% | 2.74% | -5.50% | -892 bps | |
| Efficiency Ratio | 55.41% | 54.77% | 54.52% | 70.31% | n/a | n/a | |
| Growth | |||||||
| Asset Growth (YoY) | 2.28% | 3.80% | -0.32% | -2.17% | 6.01% | +373 bps | |
| Loan Growth (YoY) | 0.53% | -3.59% | -0.24% | -0.84% | 0.02% | -51 bps | |
| Share Growth (YoY) | 1.09% | 2.41% | -2.14% | -3.43% | 9.11% | +803 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 1.44% | 1.67% | 1.15% | 0.00% | 0.48% | -95 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.60% | 0.62% | 0.57% | 0.63% | 0.64% | +4 bps | |
| Capital | |||||||
| Risk-Based Capital | 14.63% | 15.18% | 15.67% | 15.37% | 12.28% | -235 bps | |
| Net Worth / Assets | 14.63% | 15.18% | 15.67% | 15.37% | 12.28% | -235 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 76.31% | 76.09% | 82.49% | 80.70% | 69.95% | -636 bps | |
| Liquid Assets / Assets | 33.91% | 34.32% | 29.36% | 30.57% | 37.62% | +371 bps | |