St. Louis, MO · Charter 1854
Q1 2004
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q1 2003 | Q2 2003 | Q3 2003 | Q4 2003 | Q1 2004 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.26% | 0.28% | 0.26% | 0.31% | -5.23% | -549 bps | |
| Return on Equity | 2.47% | 2.63% | 2.44% | 2.84% | -50.49% | -5,296 bps | |
| Net Interest Margin | 2.96% | 3.20% | 3.27% | 3.33% | 2.32% | -63 bps | |
| Efficiency Ratio | 81.85% | 81.92% | 82.29% | 81.86% | 147.89% | +6,603 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 22.77% | 10.03% | 1.53% | 10.15% | 0.59% | -2,217 bps | |
| Loan Growth (YoY) | -3.83% | 1.79% | -2.90% | -0.65% | -1.64% | +220 bps | |
| Share Growth (YoY) | 26.73% | 10.97% | 1.71% | 11.61% | 0.92% | -2,581 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 3.45% | 1.35% | 1.71% | 1.75% | 1.84% | -161 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.77% | 1.76% | 1.77% | 1.73% | 4.13% | +236 bps | |
| Capital | |||||||
| Risk-Based Capital | 10.52% | 10.72% | 10.81% | 11.06% | 10.36% | -15 bps | |
| Net Worth / Assets | 10.52% | 10.72% | 10.81% | 11.06% | 10.36% | -15 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 59.87% | 63.91% | 65.86% | 63.81% | 58.36% | -151 bps | |
| Liquid Assets / Assets | 45.34% | 41.57% | 39.82% | 41.80% | 47.53% | +219 bps | |