Rock Island, IL · Charter 61059
Q4 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 | Q4 2002 | Q1 2003 | Q2 2003 | Q3 2003 | Q4 2003 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.22% | -0.25% | -0.07% | 0.14% | 0.22% | -1 bps | |
| Return on Equity | 1.50% | -1.75% | -0.52% | 0.90% | 1.34% | -16 bps | |
| Net Interest Margin | 1.98% | 1.86% | 1.69% | 1.73% | 1.78% | -20 bps | |
| Efficiency Ratio | 88.09% | 113.40% | 104.34% | 92.13% | 87.90% | -19 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 16.69% | 2.77% | -0.85% | -2.98% | -6.92% | -2,361 bps | |
| Loan Growth (YoY) | 0.35% | -8.44% | -16.88% | -8.75% | -19.42% | -1,976 bps | |
| Share Growth (YoY) | 19.41% | 3.06% | -1.28% | -3.70% | -8.35% | -2,776 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.00% | 0.00% | 0.00% | 0.10% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.58% | 0.69% | 0.71% | 0.69% | 0.71% | +12 bps | |
| Capital | |||||||
| Risk-Based Capital | 14.74% | 14.25% | 14.20% | 15.10% | 16.05% | +131 bps | |
| Net Worth / Assets | 14.74% | 14.25% | 14.20% | 15.10% | 16.05% | +131 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 28.74% | 25.08% | 24.63% | 26.80% | 25.27% | -347 bps | |
| Liquid Assets / Assets | 66.06% | 69.26% | 70.55% | 68.46% | 68.79% | +273 bps | |