Prattville, AL · Charter 19063
Q4 2003
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 | Q4 2002 | Q1 2003 | Q2 2003 | Q3 2003 | Q4 2003 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.38% | 0.46% | 0.63% | 0.05% | 0.26% | -112 bps | |
| Return on Equity | 6.98% | 2.51% | 3.61% | 0.31% | 1.52% | -546 bps | |
| Net Interest Margin | 5.72% | 4.67% | 4.49% | 4.13% | 4.12% | -160 bps | |
| Efficiency Ratio | 68.72% | 76.05% | 77.12% | 90.38% | 82.55% | +1,383 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -7.59% | 2.59% | 11.53% | 21.29% | 18.62% | +2,621 bps | |
| Loan Growth (YoY) | -6.54% | -8.22% | -5.77% | -0.76% | 3.45% | +999 bps | |
| Share Growth (YoY) | -11.25% | 2.07% | 13.33% | 25.85% | 22.92% | +3,417 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 5.08% | 6.63% | 2.65% | 4.19% | 2.79% | -229 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.83% | 0.77% | 0.54% | 0.40% | 0.59% | -25 bps | |
| Capital | |||||||
| Risk-Based Capital | 19.76% | 18.33% | 17.44% | 16.58% | 16.92% | -284 bps | |
| Net Worth / Assets | 19.76% | 18.33% | 17.44% | 16.58% | 16.92% | -284 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 90.84% | 79.56% | 74.37% | 72.85% | 76.45% | -1,439 bps | |
| Liquid Assets / Assets | 22.43% | 25.86% | 27.91% | 24.57% | 23.60% | +118 bps | |