Shreveport, LA · Charter 20859
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 | -0.74% | 3.07% | 2.60% | 2.84% | 2.58% | +332 bps | |
| Return on Equity | -3.47% | 16.47% | 14.19% | 16.03% | 11.67% | +1,514 bps | |
| Net Interest Margin | 4.67% | 4.20% | 4.05% | 3.86% | 4.64% | -3 bps | |
| Efficiency Ratio | 78.24% | 84.76% | 75.44% | 67.22% | 83.13% | +489 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -2.02% | 6.33% | 5.67% | 6.20% | 9.28% | +1,130 bps | |
| Loan Growth (YoY) | -17.06% | -13.31% | -11.51% | -13.40% | -16.25% | +81 bps | |
| Share Growth (YoY) | -0.58% | 8.58% | 6.92% | 5.75% | 8.96% | +954 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 1.27% | 1.31% | 2.25% | 2.11% | 3.21% | +194 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 2.83% | 3.25% | 3.37% | 3.31% | 2.27% | -56 bps | |
| Capital | |||||||
| Risk-Based Capital | 21.30% | 18.66% | 18.34% | 17.70% | 22.08% | +78 bps | |
| Net Worth / Assets | 21.30% | 18.66% | 18.34% | 17.70% | 22.08% | +78 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 77.68% | 61.20% | 58.88% | 52.17% | 59.71% | -1,797 bps | |
| Liquid Assets / Assets | 31.10% | 50.40% | 52.22% | 57.34% | 53.15% | +2,205 bps | |