Jonesboro, LA · Charter 61912
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 | -0.53% | -0.20% | -0.62% | -0.53% | -1.21% | -68 bps | |
| Return on Equity | -5.02% | -2.01% | -6.43% | -5.39% | -12.57% | -755 bps | |
| Net Interest Margin | 3.06% | 3.46% | 3.07% | 3.26% | 3.17% | +11 bps | |
| Efficiency Ratio | 115.09% | 105.12% | 117.56% | 113.97% | 131.86% | +1,677 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -5.15% | 2.38% | 3.83% | 0.33% | -3.29% | +186 bps | |
| Loan Growth (YoY) | 2.63% | 1.25% | -8.16% | -7.15% | -15.62% | -1,825 bps | |
| Share Growth (YoY) | -4.80% | 3.42% | 5.09% | 1.33% | -1.94% | +286 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.00% | 0.00% | 9.56% | 9.58% | 9.91% | +991 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.97% | 2.03% | 2.12% | 2.23% | 2.34% | +37 bps | |
| Capital | |||||||
| Risk-Based Capital | 10.49% | 9.97% | 9.67% | 9.78% | 9.63% | -85 bps | |
| Net Worth / Assets | 10.49% | 9.97% | 9.67% | 9.78% | 9.63% | -85 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 36.44% | 33.54% | 32.05% | 31.03% | 31.36% | -508 bps | |
| Liquid Assets / Assets | 64.80% | 67.08% | 68.55% | 69.53% | 69.10% | +431 bps | |