Vicksburg, MS · Charter 20472
Q4 2004
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2004, the quarter ended December 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.
Vicksburg, MS · Charter 20472
Q4 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 | Q4 2003 | Q1 2004 | Q2 2004 | Q3 2004 | Q4 2004 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.51% | 0.64% | 1.26% | 1.21% | 0.60% | -91 bps | |
| Return on Equity | 4.66% | 2.07% | 3.89% | 4.42% | 2.30% | -236 bps | |
| Net Interest Margin | 6.41% | 6.60% | 7.54% | 6.61% | 6.92% | +50 bps | |
| Efficiency Ratio | 72.13% | 91.91% | 86.97% | 86.14% | 94.81% | +2,268 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 5.46% | 4.13% | 1.56% | 23.73% | 26.76% | +2,130 bps | |
| Loan Growth (YoY) | -1.80% | 24.63% | 28.13% | 60.47% | 52.57% | +5,437 bps | |
| Share Growth (YoY) | 5.84% | 4.75% | 1.32% | 32.94% | 39.06% | +3,321 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 1.67% | 0.08% | 1.31% | 0.84% | 0.75% | -93 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.17% | 0.96% | 0.98% | 0.95% | 0.75% | -42 bps | |
| Capital | |||||||
| Risk-Based Capital | 32.48% | 30.77% | 32.45% | 27.33% | 26.22% | -625 bps | |
| Net Worth / Assets | 32.48% | 30.77% | 32.45% | 27.33% | 26.22% | -625 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 92.15% | 97.62% | 115.44% | 104.85% | 101.10% | +896 bps | |
| Liquid Assets / Assets | 10.70% | 31.22% | 20.48% | 23.40% | 24.77% | +1,406 bps | |