Fairfield, AL · Charter 62663
Q4 2003
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q4 2002 | Q1 2003 | Q2 2003 | Q3 2003 | Q4 2003 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.45% | 0.17% | 0.08% | 0.00% | 0.31% | -14 bps | |
| Return on Equity | 5.16% | 2.03% | 0.95% | -0.02% | 3.50% | -166 bps | |
| Net Interest Margin | 2.50% | 2.23% | 2.17% | 2.10% | 2.26% | -24 bps | |
| Efficiency Ratio | 80.59% | 87.73% | 92.46% | 94.86% | 86.38% | +579 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 3.13% | 3.72% | 2.91% | 3.23% | 2.95% | -18 bps | |
| Loan Growth (YoY) | -8.05% | -3.22% | -5.46% | -0.46% | 6.81% | +1,486 bps | |
| Share Growth (YoY) | 2.57% | 3.59% | 2.63% | 4.03% | 3.08% | +51 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 1.58% | 1.35% | 0.89% | 1.45% | 1.46% | -12 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.00% | 0.91% | 0.99% | 1.06% | 0.55% | -45 bps | |
| Capital | |||||||
| Risk-Based Capital | 8.71% | 8.37% | 8.27% | 8.31% | 8.76% | +6 bps | |
| Net Worth / Assets | 8.71% | 8.37% | 8.27% | 8.31% | 8.76% | +6 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 52.00% | 48.39% | 47.35% | 49.39% | 53.88% | +188 bps | |
| Liquid Assets / Assets | 28.82% | 30.65% | 28.80% | 25.93% | 12.59% | -1,623 bps | |