Elkins, WV · Charter 8986
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.
Elkins, WV · Charter 8986
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 | 0.66% | 1.57% | -0.11% | -0.25% | 0.01% | -66 bps | |
| Return on Equity | 5.33% | 12.18% | -0.93% | -1.97% | 0.09% | -524 bps | |
| Net Interest Margin | 7.94% | 8.23% | 7.92% | 7.88% | 4.54% | -340 bps | |
| Efficiency Ratio | 91.94% | 82.23% | 101.37% | 102.95% | 99.84% | +790 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -5.22% | -12.80% | -7.32% | -3.34% | 29.60% | +3,482 bps | |
| Loan Growth (YoY) | -5.44% | 10.38% | 4.26% | 2.78% | 6.51% | +1,195 bps | |
| Share Growth (YoY) | -6.53% | -14.03% | -8.13% | -3.92% | 35.16% | +4,169 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 3.44% | 4.57% | 13.91% | 12.66% | 12.51% | +908 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.93% | 1.95% | 2.05% | 2.02% | 2.03% | +10 bps | |
| Capital | |||||||
| Risk-Based Capital | 12.47% | 12.90% | 12.26% | 12.54% | 8.74% | -373 bps | |
| Net Worth / Assets | 12.47% | 12.90% | 12.26% | 12.54% | 8.74% | -373 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 106.43% | 110.79% | 104.67% | 112.49% | 83.87% | -2,256 bps | |
| Liquid Assets / Assets | 5.25% | 1.13% | 7.16% | 0.78% | 22.84% | +1,759 bps | |