Bangor, ME · Charter 68477
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 | 0.30% | 0.41% | 0.50% | 0.13% | -0.64% | -95 bps | |
| Return on Equity | 5.27% | 7.20% | 9.27% | 2.42% | -12.10% | -1,737 bps | |
| Net Interest Margin | 5.20% | 4.88% | 4.57% | 4.96% | 5.50% | +31 bps | |
| Efficiency Ratio | 90.81% | 92.49% | 90.44% | 90.36% | 97.21% | +639 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 6.60% | 1.74% | 6.67% | 8.15% | -3.39% | -999 bps | |
| Loan Growth (YoY) | -2.50% | 0.55% | 2.94% | 4.29% | 2.14% | +464 bps | |
| Share Growth (YoY) | 6.69% | 1.33% | 6.54% | 8.40% | -2.82% | -952 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 1.32% | 1.06% | 1.69% | 1.94% | 2.00% | +68 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.37% | 0.33% | 0.33% | 0.78% | 0.84% | +46 bps | |
| Capital | |||||||
| Risk-Based Capital | 5.77% | 5.72% | 5.36% | 5.55% | 5.33% | -44 bps | |
| Net Worth / Assets | 5.77% | 5.72% | 5.36% | 5.55% | 5.33% | -44 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 72.03% | 68.01% | 63.24% | 69.74% | 75.71% | +368 bps | |
| Liquid Assets / Assets | 25.52% | 127.02% | 33.20% | 27.04% | 21.51% | -400 bps | |