Ankeny, IA · Charter 60034
Q1 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 | Q1 2003 | Q2 2003 | Q3 2003 | Q4 2003 | Q1 2004 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.32% | 0.56% | 0.62% | 0.68% | 1.31% | +99 bps | |
| Return on Equity | 3.64% | 6.25% | 6.82% | 7.46% | 14.16% | +1,053 bps | |
| Net Interest Margin | 3.75% | 3.77% | 3.73% | 3.75% | 3.72% | -2 bps | |
| Efficiency Ratio | 92.06% | 86.30% | 84.66% | 84.02% | 75.33% | -1,673 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 8.30% | 10.31% | 11.20% | 8.71% | 6.67% | -164 bps | |
| Loan Growth (YoY) | 19.69% | 20.33% | 12.14% | 8.10% | -14.43% | -3,412 bps | |
| Share Growth (YoY) | 8.77% | 10.98% | 11.85% | 8.83% | 6.56% | -221 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 1.62% | 0.90% | 1.46% | 0.55% | 0.68% | -94 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.06% | 0.99% | 0.99% | 0.85% | 1.04% | -3 bps | |
| Capital | |||||||
| Risk-Based Capital | 8.84% | 8.93% | 9.03% | 9.18% | 9.23% | +39 bps | |
| Net Worth / Assets | 8.84% | 8.93% | 9.03% | 9.18% | 9.23% | +39 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 64.44% | 68.22% | 67.39% | 67.18% | 51.74% | -1,269 bps | |
| Liquid Assets / Assets | 23.98% | 13.84% | 16.01% | 18.66% | 35.31% | +1,133 bps | |