Phenix City, AL · Charter 61991
Q1 2005
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 | Q1 2004 | Q2 2004 | Q3 2004 | Q4 2004 | Q1 2005 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.62% | -1.64% | -1.33% | -1.72% | -1.00% | -162 bps | |
| Return on Equity | 4.54% | -14.13% | -11.58% | -13.87% | -7.18% | -1,172 bps | |
| Net Interest Margin | 8.28% | 6.60% | 6.25% | 6.75% | 6.12% | -216 bps | |
| Efficiency Ratio | 92.88% | 100.94% | 104.04% | 111.23% | 115.33% | +2,245 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -21.14% | -16.58% | -14.25% | -13.88% | -16.77% | +437 bps | |
| Loan Growth (YoY) | -21.10% | -23.50% | -0.19% | -3.86% | -8.24% | +1,287 bps | |
| Share Growth (YoY) | -23.86% | -17.50% | -19.65% | -21.60% | -16.89% | +697 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 4.64% | 2.53% | 2.44% | 2.65% | 0.00% | -464 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.97% | 3.01% | 3.39% | 4.66% | 6.21% | +424 bps | |
| Capital | |||||||
| Risk-Based Capital | 13.64% | 11.63% | 11.46% | 12.43% | 13.98% | +34 bps | |
| Net Worth / Assets | 13.64% | 11.63% | 11.46% | 12.43% | 13.98% | +34 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 102.19% | 87.68% | 117.14% | 122.30% | 112.83% | +1,064 bps | |
| Liquid Assets / Assets | 9.11% | 22.33% | 3.09% | 4.70% | 6.45% | -266 bps | |