Coeur D'Alene, ID · Charter 97058
Q3 2004
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2004, the quarter ended September 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.
Coeur D'Alene, ID · Charter 97058
Q3 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 | Q3 2003 | Q4 2003 | Q1 2004 | Q2 2004 | Q3 2004 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.50% | 0.44% | 0.14% | 0.02% | 0.09% | -41 bps | |
| Return on Equity | 8.07% | 6.75% | 2.23% | 0.37% | 1.57% | -650 bps | |
| Net Interest Margin | 4.47% | 4.63% | 4.00% | 3.89% | 3.77% | -71 bps | |
| Efficiency Ratio | 90.64% | 92.00% | 97.17% | 97.56% | 95.86% | +522 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 6.43% | -0.48% | -0.55% | 1.19% | 5.34% | -108 bps | |
| Loan Growth (YoY) | -12.56% | -10.67% | -11.51% | -9.66% | -13.75% | -119 bps | |
| Share Growth (YoY) | 6.28% | -0.96% | -0.94% | 1.08% | 5.58% | -70 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 1.47% | 1.08% | 0.69% | 0.47% | 1.24% | -24 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.08% | 0.80% | 0.67% | 0.61% | 0.68% | -40 bps | |
| Capital | |||||||
| Risk-Based Capital | 6.21% | 6.59% | 6.26% | 6.06% | 6.01% | -20 bps | |
| Net Worth / Assets | 6.21% | 6.59% | 6.26% | 6.06% | 6.01% | -20 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 57.71% | 60.26% | 55.13% | 52.42% | 47.15% | -1,056 bps | |
| Liquid Assets / Assets | 30.19% | 25.91% | 32.09% | 33.93% | 36.49% | +630 bps | |