Sandstone, MN · Charter 13528
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.
Sandstone, MN · Charter 13528
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 | 1.71% | 1.92% | 1.26% | 1.15% | -21.25% | -2,295 bps | |
| Return on Equity | 6.11% | 6.69% | 4.27% | 3.75% | -88.32% | -9,442 bps | |
| Net Interest Margin | 2.85% | 2.84% | 3.02% | 3.16% | -2.44% | -529 bps | |
| Efficiency Ratio | 40.05% | 32.42% | 58.33% | 63.47% | n/a | n/a | |
| Growth | |||||||
| Asset Growth (YoY) | 0.50% | 2.38% | 1.56% | -1.32% | -2.63% | -313 bps | |
| Loan Growth (YoY) | -22.24% | -18.38% | -14.72% | 5.87% | -6.63% | +1,561 bps | |
| Share Growth (YoY) | -0.79% | 1.05% | 0.84% | -3.48% | 1.04% | +183 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 6.88% | 0.33% | 4.90% | 4.33% | 4.39% | -249 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 2.68% | 2.53% | 2.60% | 2.58% | 2.87% | +19 bps | |
| Capital | |||||||
| Risk-Based Capital | 27.95% | 28.70% | 29.48% | 30.78% | 24.06% | -389 bps | |
| Net Worth / Assets | 27.95% | 28.70% | 29.48% | 30.78% | 24.06% | -389 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 60.05% | 65.00% | 65.71% | 70.29% | 55.49% | -456 bps | |
| Liquid Assets / Assets | 57.37% | 54.36% | 54.29% | 52.20% | 59.25% | +188 bps | |