Estherville, IA · Charter 61217
Q4 2004
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2004, the quarter ended December 31, 2004, 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.
Estherville, IA · Charter 61217
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 | -0.83% | -0.31% | -0.46% | -0.41% | -4.23% | -340 bps | |
| Return on Equity | -9.84% | -3.70% | -5.53% | -4.82% | -85.27% | -7,543 bps | |
| Net Interest Margin | 3.60% | 3.45% | 3.48% | 3.64% | 3.56% | -3 bps | |
| Efficiency Ratio | 103.19% | 107.23% | 104.48% | 104.12% | 157.22% | +5,404 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 2.66% | -5.75% | -5.06% | -7.60% | -8.31% | -1,097 bps | |
| Loan Growth (YoY) | 37.37% | 35.30% | 29.65% | -6.72% | -14.58% | -5,195 bps | |
| Share Growth (YoY) | 3.74% | -5.16% | -4.46% | -7.78% | -4.77% | -851 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 2.24% | 2.11% | 1.23% | 1.54% | 1.06% | -118 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.68% | 1.76% | 0.74% | 0.81% | 2.18% | +50 bps | |
| Capital | |||||||
| Risk-Based Capital | 8.39% | 8.48% | 8.35% | 8.57% | 4.96% | -343 bps | |
| Net Worth / Assets | 8.39% | 8.48% | 8.35% | 8.57% | 4.96% | -343 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 63.94% | 62.22% | 60.01% | 61.52% | 57.36% | -658 bps | |
| Liquid Assets / Assets | 36.03% | 33.22% | 24.44% | 23.93% | 28.04% | -798 bps | |