Brookings, SD · Charter 9564
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.
Brookings, SD · Charter 9564
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 | 0.04% | 0.15% | 0.21% | 0.21% | 0.34% | +30 bps | |
| Return on Equity | 0.38% | 1.56% | 2.12% | 2.10% | 3.26% | +288 bps | |
| Net Interest Margin | 3.38% | 3.40% | 3.51% | 3.38% | 2.82% | -56 bps | |
| Efficiency Ratio | 99.04% | 86.01% | 87.80% | 89.21% | 89.62% | -942 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 2.74% | 4.09% | -0.10% | -0.43% | -7.73% | -1,047 bps | |
| Loan Growth (YoY) | -9.51% | -11.11% | -16.94% | -22.23% | -23.99% | -1,449 bps | |
| Share Growth (YoY) | 2.86% | 4.40% | -0.30% | -1.64% | -8.89% | -1,174 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.32% | 0.00% | 0.00% | 0.59% | 0.62% | +30 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.36% | 0.23% | 0.25% | 0.27% | 0.32% | -4 bps | |
| Capital | |||||||
| Risk-Based Capital | 9.35% | 9.42% | 10.06% | 10.08% | 10.42% | +108 bps | |
| Net Worth / Assets | 9.35% | 9.42% | 10.06% | 10.08% | 10.42% | +108 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 65.09% | 61.95% | 60.60% | 56.66% | 54.30% | -1,079 bps | |
| Liquid Assets / Assets | 35.80% | 41.74% | 43.40% | 47.19% | 47.81% | +1,201 bps | |