Vail, IA · Charter 65240
Q4 2004
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 2003 | Q1 2004 | Q2 2004 | Q3 2004 | Q4 2004 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.11% | 0.19% | 0.10% | 0.15% | 0.05% | -6 bps | |
| Return on Equity | 0.87% | 1.49% | 0.73% | 1.17% | 0.39% | -48 bps | |
| Net Interest Margin | 1.73% | 1.77% | 1.72% | 1.64% | 1.67% | -7 bps | |
| Efficiency Ratio | 93.51% | 88.97% | 94.42% | 90.60% | 97.33% | +382 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -5.97% | -1.97% | -4.18% | -0.22% | -1.42% | +455 bps | |
| Loan Growth (YoY) | 15.56% | -4.54% | 1.36% | 10.90% | 8.41% | -715 bps | |
| Share Growth (YoY) | -7.18% | -2.99% | -5.22% | -0.86% | -3.60% | +358 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.00% | 3.49% | 2.20% | 5.87% | 4.14% | +414 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 6.99% | 7.50% | 6.90% | 6.39% | 6.71% | -27 bps | |
| Capital | |||||||
| Risk-Based Capital | 12.97% | 13.10% | 13.19% | 13.13% | 13.21% | +24 bps | |
| Net Worth / Assets | 12.97% | 13.10% | 13.19% | 13.13% | 13.21% | +24 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 51.47% | 49.55% | 54.95% | 59.46% | 57.89% | +641 bps | |
| Liquid Assets / Assets | 57.20% | 59.40% | 55.08% | 51.50% | 52.99% | -421 bps | |