Iowa City, IA · Charter 60287
Q4 2008
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2008, the quarter ended December 31, 2008, 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.
Iowa City, IA · Charter 60287
Q4 2008
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 2007 | Q1 2008 | Q2 2008 | Q3 2008 | Q4 2008 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.31% | 0.61% | 1.14% | 0.36% | 0.43% | +12 bps | |
| Return on Equity | 1.74% | 3.46% | 6.53% | 2.01% | 2.43% | +69 bps | |
| Net Interest Margin | 4.93% | 4.57% | 5.00% | 4.43% | 4.26% | -67 bps | |
| Efficiency Ratio | 84.38% | 89.83% | 81.56% | 93.70% | 92.24% | +786 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 3.67% | 5.81% | 6.15% | 2.27% | 3.68% | +1 bps | |
| Loan Growth (YoY) | 6.98% | -3.21% | -1.54% | 2.44% | 3.11% | -387 bps | |
| Share Growth (YoY) | 4.07% | 6.63% | 7.00% | 2.99% | 4.01% | -6 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 2.43% | 0.18% | 0.90% | 0.34% | 0.46% | -197 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 2.70% | 0.84% | 1.07% | 1.01% | 0.95% | -175 bps | |
| Capital | |||||||
| Risk-Based Capital | 17.87% | 17.67% | 17.47% | 18.20% | 17.67% | -20 bps | |
| Net Worth / Assets | 17.87% | 17.67% | 17.47% | 18.20% | 17.67% | -20 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 42.29% | 37.88% | 36.23% | 41.09% | 41.92% | -37 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |