Fort Madison, IA · Charter 65501
Q1 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 | Q1 2003 | Q2 2003 | Q3 2003 | Q4 2003 | Q1 2004 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.16% | -14.95% | -8.78% | -7.39% | 0.26% | +10 bps | |
| Return on Equity | 0.41% | -45.78% | -30.50% | -25.95% | 0.83% | +42 bps | |
| Net Interest Margin | 5.54% | 6.08% | 5.15% | 4.88% | 6.38% | +84 bps | |
| Efficiency Ratio | 79.27% | 72.52% | 79.46% | 96.73% | 87.27% | +800 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -29.40% | -29.01% | -15.21% | -7.26% | -1.81% | +2,759 bps | |
| Loan Growth (YoY) | -38.70% | -37.77% | -33.85% | -11.94% | 1.88% | +4,058 bps | |
| Share Growth (YoY) | -40.63% | -32.30% | -13.71% | -1.06% | 9.79% | +5,042 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 18.43% | 14.02% | 8.05% | 18.15% | 7.72% | -1,071 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 8.89% | 10.20% | 11.47% | 10.53% | 10.52% | +163 bps | |
| Capital | |||||||
| Risk-Based Capital | 38.26% | 32.65% | 28.78% | 28.47% | 30.97% | -729 bps | |
| Net Worth / Assets | 38.26% | 32.65% | 28.78% | 28.47% | 30.97% | -729 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 103.79% | 87.33% | 68.22% | 82.75% | 96.31% | -748 bps | |
| Liquid Assets / Assets | 40.48% | 44.62% | 55.65% | 46.02% | 39.76% | -72 bps | |