Bismarck, ND · Charter 61181
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 | -1.97% | 0.24% | -0.09% | -0.12% | 0.02% | +200 bps | |
| Return on Equity | -14.77% | 1.80% | -0.77% | -0.92% | 0.16% | +1,493 bps | |
| Net Interest Margin | 5.85% | 5.25% | 4.92% | 5.25% | 5.76% | -9 bps | |
| Efficiency Ratio | 102.28% | 96.72% | 101.45% | 101.75% | 98.30% | -397 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -3.98% | 0.81% | 9.23% | 3.04% | -0.89% | +309 bps | |
| Loan Growth (YoY) | -12.10% | -13.46% | 0.08% | 3.52% | 0.21% | +1,231 bps | |
| Share Growth (YoY) | -2.66% | 2.83% | 12.82% | 5.28% | -0.81% | +185 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 2.67% | 2.65% | 2.40% | 2.27% | 0.15% | -252 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 2.01% | 2.04% | 1.90% | 1.93% | 0.00% | -201 bps | |
| Capital | |||||||
| Risk-Based Capital | 13.37% | 13.14% | 11.99% | 12.51% | 13.51% | +14 bps | |
| Net Worth / Assets | 13.37% | 13.14% | 11.99% | 12.51% | 13.51% | +14 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 85.41% | 82.34% | 80.63% | 83.73% | 86.29% | +88 bps | |
| Liquid Assets / Assets | 22.58% | 25.62% | 26.12% | 24.30% | 20.42% | -216 bps | |