Logansport, IN · Charter 67794
Q2 2004
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2004, the quarter ended June 30, 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.
Logansport, IN · Charter 67794
Q2 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 | Q2 2003 | Q3 2003 | Q4 2003 | Q1 2004 | Q2 2004 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.68% | 0.66% | 0.00% | -7.14% | -3.55% | -523 bps | |
| Return on Equity | 19.23% | 8.15% | -0.04% | -104.02% | -50.72% | -6,995 bps | |
| Net Interest Margin | 4.50% | 3.80% | 4.04% | 3.44% | 4.04% | -45 bps | |
| Efficiency Ratio | 62.66% | 82.57% | 83.94% | 92.15% | 75.47% | +1,281 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 10.51% | 18.28% | 17.43% | 5.41% | -7.96% | -1,847 bps | |
| Loan Growth (YoY) | -11.12% | -21.11% | -31.03% | -30.58% | -30.02% | -1,890 bps | |
| Share Growth (YoY) | 11.49% | 18.86% | 19.37% | 8.40% | -6.21% | -1,769 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.00% | 0.00% | 6.90% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.17% | 0.18% | 1.96% | 0.00% | 1.27% | +110 bps | |
| Capital | |||||||
| Risk-Based Capital | 8.74% | 8.11% | 8.54% | 6.87% | 7.00% | -174 bps | |
| Net Worth / Assets | 8.74% | 8.11% | 8.54% | 6.87% | 7.00% | -174 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 44.39% | 40.95% | 40.50% | 33.91% | 33.12% | -1,127 bps | |
| Liquid Assets / Assets | 58.84% | 53.55% | 53.72% | 57.95% | 68.65% | +982 bps | |