Antigo, WI · Charter 66693
Q1 2005
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2005, the quarter ended March 31, 2005, 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.
Antigo, WI · Charter 66693
Q1 2005
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 2004 | Q2 2004 | Q3 2004 | Q4 2004 | Q1 2005 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.80% | 0.07% | 0.58% | 0.15% | 0.05% | -174 bps | |
| Return on Equity | 15.90% | 0.69% | 5.36% | 1.38% | 0.43% | -1,547 bps | |
| Net Interest Margin | 3.46% | 1.43% | 1.94% | 1.55% | 1.68% | -178 bps | |
| Efficiency Ratio | 48.12% | 94.99% | 70.20% | 90.62% | 96.78% | +4,866 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -0.77% | 4.15% | 3.11% | 3.16% | -13.56% | -1,278 bps | |
| Loan Growth (YoY) | -29.67% | -26.92% | -34.21% | -22.22% | -25.19% | +448 bps | |
| Share Growth (YoY) | -0.71% | 4.55% | 3.49% | 3.37% | -14.95% | -1,424 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 2.59% | 8.26% | 9.86% | 11.26% | 9.78% | +720 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 2.63% | 2.75% | 3.06% | 2.72% | 3.58% | +96 bps | |
| Capital | |||||||
| Risk-Based Capital | 11.31% | 10.46% | 10.82% | 10.57% | 12.75% | +144 bps | |
| Net Worth / Assets | 11.31% | 10.46% | 10.82% | 10.57% | 12.75% | +144 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 35.03% | 31.83% | 28.69% | 32.36% | 30.81% | -422 bps | |
| Liquid Assets / Assets | 68.63% | 71.25% | 74.25% | 70.93% | 72.72% | +409 bps | |