Billings, MT · Charter 24306
Q2 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 | Q2 2002 | Q3 2002 | Q4 2002 | Q1 2003 | Q2 2003 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.31% | 0.50% | 0.52% | 0.24% | -4.78% | -509 bps | |
| Return on Equity | 1.92% | 3.03% | 3.15% | 1.49% | -35.30% | -3,721 bps | |
| Net Interest Margin | 3.33% | 3.39% | 3.37% | 3.01% | -2.05% | -538 bps | |
| Efficiency Ratio | 86.26% | 82.26% | 82.76% | 93.43% | n/a | n/a | |
| Growth | |||||||
| Asset Growth (YoY) | 21.01% | 20.84% | 15.18% | 9.71% | 4.73% | -1,627 bps | |
| Loan Growth (YoY) | 1.89% | 7.05% | -1.78% | 0.41% | -2.20% | -410 bps | |
| Share Growth (YoY) | 23.90% | 24.53% | 17.96% | 11.11% | 6.96% | -1,694 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.72% | 0.49% | 0.22% | 0.58% | 0.21% | -51 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.97% | 1.02% | 1.05% | 0.91% | 0.83% | -14 bps | |
| Capital | |||||||
| Risk-Based Capital | 16.32% | 16.54% | 16.57% | 16.23% | 13.54% | -277 bps | |
| Net Worth / Assets | 16.32% | 16.54% | 16.57% | 16.23% | 13.54% | -277 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 69.11% | 71.82% | 70.89% | 67.10% | 63.19% | -592 bps | |
| Liquid Assets / Assets | 32.75% | 31.49% | 31.96% | 33.07% | 39.14% | +640 bps | |