Fort Dodge, IA · Charter 64789
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.
Fort Dodge, IA · Charter 64789
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 | 0.22% | -0.01% | -0.06% | 0.24% | 0.33% | +11 bps | |
| Return on Equity | 1.54% | -0.10% | -0.45% | 1.63% | 2.07% | +53 bps | |
| Net Interest Margin | 3.59% | 3.32% | 3.30% | 3.44% | 3.91% | +32 bps | |
| Efficiency Ratio | 94.01% | 100.41% | 101.95% | 93.00% | 91.65% | -236 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -12.77% | -13.66% | -11.88% | -11.37% | -11.88% | +89 bps | |
| Loan Growth (YoY) | -2.73% | 2.46% | -9.23% | -3.67% | -18.30% | -1,557 bps | |
| Share Growth (YoY) | -14.82% | -15.51% | -13.43% | -13.06% | -13.83% | +99 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.29% | 0.29% | 0.30% | 0.01% | 0.47% | +18 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 2.20% | 2.31% | 2.49% | 2.36% | 2.47% | +27 bps | |
| Capital | |||||||
| Risk-Based Capital | 14.01% | 14.10% | 14.26% | 14.80% | 15.93% | +192 bps | |
| Net Worth / Assets | 14.01% | 14.10% | 14.26% | 14.80% | 15.93% | +192 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 52.55% | 50.88% | 49.91% | 48.12% | 49.82% | -273 bps | |
| Liquid Assets / Assets | 45.13% | 37.15% | 29.77% | 48.72% | 47.54% | +241 bps | |