Moline, IL · Charter 63504
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 | -0.37% | -0.90% | -1.05% | -1.05% | -1.17% | -80 bps | |
| Return on Equity | -2.83% | -7.42% | -8.39% | -8.42% | -8.84% | -601 bps | |
| Net Interest Margin | 3.30% | 3.16% | 3.11% | 3.24% | 3.63% | +34 bps | |
| Efficiency Ratio | 107.00% | 121.61% | 124.38% | 124.15% | 123.94% | +1,693 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -2.64% | 9.23% | 1.80% | -2.18% | -8.21% | -557 bps | |
| Loan Growth (YoY) | -31.56% | -34.50% | -27.73% | -26.30% | -21.31% | +1,025 bps | |
| Share Growth (YoY) | -2.24% | 11.81% | 3.03% | -1.20% | -8.18% | -593 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.29% | 0.51% | 0.18% | 0.61% | 0.66% | +37 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 2.18% | 2.40% | 2.49% | 2.42% | 2.37% | +19 bps | |
| Capital | |||||||
| Risk-Based Capital | 13.22% | 12.11% | 12.47% | 12.49% | 13.23% | +1 bps | |
| Net Worth / Assets | 13.22% | 12.11% | 12.47% | 12.49% | 13.23% | +1 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 40.34% | 32.18% | 33.19% | 33.98% | 34.57% | -577 bps | |
| Liquid Assets / Assets | 51.30% | 40.82% | 31.77% | 66.19% | 64.19% | +1,289 bps | |