Mason City, IA · Charter 64461
Q4 2003
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2003, the quarter ended December 31, 2003, 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.
Mason City, IA · Charter 64461
Q4 2003
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 2002 | Q1 2003 | Q2 2003 | Q3 2003 | Q4 2003 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.58% | 1.12% | 0.97% | 0.96% | 0.22% | -136 bps | |
| Return on Equity | 12.55% | 8.72% | 7.75% | 7.35% | 1.79% | -1,076 bps | |
| Net Interest Margin | 5.92% | 5.09% | 4.66% | 4.70% | 4.62% | -129 bps | |
| Efficiency Ratio | 50.81% | 66.21% | 66.73% | 67.15% | 66.24% | +1,543 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -11.11% | -6.82% | -0.63% | 1.54% | 3.12% | +1,423 bps | |
| Loan Growth (YoY) | -20.98% | -17.81% | -15.35% | -9.29% | -12.54% | +844 bps | |
| Share Growth (YoY) | -14.11% | -9.49% | -2.66% | -0.09% | 3.20% | +1,731 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.89% | 0.88% | 0.23% | 0.35% | 0.08% | -81 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 3.68% | 4.36% | 4.50% | 4.33% | 5.53% | +185 bps | |
| Capital | |||||||
| Risk-Based Capital | 12.61% | 12.84% | 12.56% | 13.01% | 12.45% | -16 bps | |
| Net Worth / Assets | 12.61% | 12.84% | 12.56% | 13.01% | 12.45% | -16 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 67.61% | 65.00% | 61.07% | 61.62% | 57.30% | -1,031 bps | |
| Liquid Assets / Assets | 11.15% | 43.52% | 46.94% | 46.45% | 50.47% | +3,932 bps | |