Chapman, NE · Charter 66271
Q4 2004
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q1 2003 | Q2 2003 | Q3 2003 | Q4 2003 | Q1 2004 | Q2 2004 | Q3 2004 | Q4 2004 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.14% | 0.56% | 0.78% | 0.34% | 0.18% | 1.07% | 0.59% | 0.35% | +1 bps | |
| Return on Equity | 0.61% | 2.42% | 3.04% | 1.48% | 0.79% | 4.50% | 2.43% | 1.46% | -2 bps | |
| Net Interest Margin | 2.89% | 3.29% | 3.82% | 3.50% | 3.12% | 3.64% | 3.42% | 3.73% | +23 bps | |
| Efficiency Ratio | 95.60% | 78.65% | 77.95% | 88.47% | 94.64% | 73.51% | 80.37% | 88.45% | -2 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 11.26% | 9.76% | 3.54% | 6.78% | 2.69% | 2.20% | 7.10% | -2.74% | -952 bps | |
| Loan Growth (YoY) | -11.99% | 13.37% | 1.34% | 5.36% | -1.73% | -20.79% | -19.35% | -24.24% | -2,960 bps | |
| Share Growth (YoY) | 13.86% | 12.70% | 4.34% | 8.46% | 3.05% | 2.08% | 9.19% | -3.96% | -1,242 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 3.94% | 0.69% | 0.00% | 0.90% | 0.86% | 0.73% | 1.64% | 0.79% | -11 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.96% | 1.08% | 1.04% | 1.03% | 1.22% | 1.36% | 1.29% | 1.37% | +33 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 23.58% | 23.28% | 25.54% | 22.88% | 23.32% | 23.65% | 24.10% | 23.87% | +99 bps | |
| Net Worth / Assets | 23.58% | 23.28% | 25.54% | 22.88% | 23.32% | 23.65% | 24.10% | 23.87% | +99 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 63.00% | 68.87% | 78.54% | 68.97% | 60.08% | 53.45% | 58.01% | 54.41% | -1,456 bps | |
| Liquid Assets / Assets | 29.89% | 29.08% | 20.59% | 25.92% | 27.64% | 28.25% | 24.00% | 53.08% | +2,715 bps | |