Columbia, TN · Charter 67790
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.
Columbia, TN · Charter 67790
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 | 0.70% | 1.20% | 1.06% | 1.42% | 0.95% | +25 bps | |
| Return on Equity | 5.30% | 8.95% | 7.93% | 10.34% | 6.92% | +162 bps | |
| Net Interest Margin | 4.08% | 4.79% | 4.76% | 4.79% | 4.94% | +86 bps | |
| Efficiency Ratio | 87.68% | 81.77% | 83.24% | 77.99% | 85.58% | -210 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 10.97% | 2.83% | 0.90% | 5.38% | 2.84% | -813 bps | |
| Loan Growth (YoY) | 17.89% | 22.24% | 17.10% | 18.38% | 16.72% | -116 bps | |
| Share Growth (YoY) | 12.25% | 2.36% | 2.96% | 4.73% | -1.12% | -1,337 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.81% | 0.42% | 0.06% | 0.00% | 0.09% | -72 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.98% | 0.94% | 0.66% | 0.51% | 0.37% | -61 bps | |
| Capital | |||||||
| Risk-Based Capital | 13.18% | 13.37% | 13.41% | 13.72% | 13.77% | +59 bps | |
| Net Worth / Assets | 13.18% | 13.37% | 13.41% | 13.72% | 13.77% | +59 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 67.29% | 70.38% | 68.94% | 71.91% | 79.43% | +1,214 bps | |
| Liquid Assets / Assets | 25.48% | 16.66% | 20.42% | 30.53% | 25.50% | +3 bps | |