Ames, IA · Charter 64898
Q1 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 | Q1 2002 | Q2 2002 | Q3 2002 | Q4 2002 | Q1 2003 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.99% | 1.06% | 1.13% | 1.14% | 1.19% | +19 bps | |
| Return on Equity | 9.04% | 9.81% | 10.31% | 10.59% | 11.30% | +226 bps | |
| Net Interest Margin | 4.11% | 4.00% | 3.98% | 3.83% | 3.59% | -52 bps | |
| Efficiency Ratio | 73.19% | 71.44% | 70.88% | 70.82% | 71.95% | -124 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 19.99% | 19.67% | 18.16% | 16.91% | 17.61% | -238 bps | |
| Loan Growth (YoY) | 4.39% | 3.48% | 1.33% | 2.54% | -4.91% | -930 bps | |
| Share Growth (YoY) | 21.39% | 20.97% | 19.11% | 17.58% | 18.29% | -309 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.36% | 0.07% | 0.59% | 0.29% | 0.05% | -31 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.47% | 0.33% | 0.41% | 0.38% | 0.38% | -9 bps | |
| Capital | |||||||
| Risk-Based Capital | 11.00% | 10.84% | 10.97% | 10.79% | 10.52% | -48 bps | |
| Net Worth / Assets | 11.00% | 10.84% | 10.97% | 10.79% | 10.52% | -48 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 66.72% | 65.16% | 63.43% | 59.97% | 53.63% | -1,309 bps | |
| Liquid Assets / Assets | 30.39% | 29.44% | 28.04% | 28.03% | 35.86% | +547 bps | |