Decorah, IA · Charter 64744
Q1 2005
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2005, the quarter ended March 31, 2005, 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.
Decorah, IA · Charter 64744
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 | 1.03% | 1.03% | 1.04% | 0.88% | 3.17% | +214 bps | |
| Return on Equity | 6.25% | 6.18% | 6.18% | 5.35% | 17.13% | +1,087 bps | |
| Net Interest Margin | 3.27% | 3.26% | 3.33% | 3.23% | 5.17% | +189 bps | |
| Efficiency Ratio | 68.65% | 68.42% | 69.01% | 72.95% | 38.71% | -2,994 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -5.44% | -6.57% | 0.07% | -0.51% | -3.27% | +217 bps | |
| Loan Growth (YoY) | -5.76% | -1.81% | -6.53% | -7.15% | -7.95% | -219 bps | |
| Share Growth (YoY) | -7.21% | -8.61% | -2.10% | -2.52% | -5.07% | +214 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 7.99% | 0.00% | 0.94% | 0.51% | 0.65% | -733 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 2.99% | 2.88% | 2.88% | 2.96% | 3.25% | +26 bps | |
| Capital | |||||||
| Risk-Based Capital | 16.48% | 16.70% | 16.77% | 16.50% | 18.51% | +203 bps | |
| Net Worth / Assets | 16.48% | 16.70% | 16.77% | 16.50% | 18.51% | +203 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 77.57% | 80.90% | 80.75% | 76.78% | 75.22% | -235 bps | |
| Liquid Assets / Assets | 35.71% | 33.43% | 32.57% | 36.47% | 39.18% | +347 bps | |