Lagrande, ID · Charter 66072
Q4 2004
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2004, the quarter ended December 31, 2004, 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.
Lagrande, ID · Charter 66072
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 | 0.81% | 0.77% | 0.71% | 0.64% | 0.38% | -43 bps | |
| Return on Equity | 9.19% | 8.51% | 7.93% | 6.86% | 3.96% | -522 bps | |
| Net Interest Margin | 4.00% | 3.69% | 3.52% | 3.58% | 3.70% | -30 bps | |
| Efficiency Ratio | 79.23% | 80.08% | 82.27% | 85.68% | 96.65% | +1,742 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -0.63% | -3.51% | -1.37% | -2.56% | -3.92% | -329 bps | |
| Loan Growth (YoY) | -1.72% | -8.90% | -10.84% | -9.20% | -10.46% | -874 bps | |
| Share Growth (YoY) | -1.58% | -4.66% | -2.24% | -3.55% | -4.72% | -313 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.22% | 0.27% | 0.11% | 0.06% | 0.19% | -4 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.79% | 1.93% | 1.81% | 1.76% | 1.24% | -56 bps | |
| Capital | |||||||
| Risk-Based Capital | 8.86% | 9.06% | 8.93% | 9.32% | 9.61% | +74 bps | |
| Net Worth / Assets | 8.86% | 9.06% | 8.93% | 9.32% | 9.61% | +74 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 58.33% | 56.56% | 52.93% | 53.97% | 54.81% | -352 bps | |
| Liquid Assets / Assets | 26.44% | 27.86% | 45.88% | 32.85% | 44.02% | +1,758 bps | |