Powell, WY · Charter 10155
Q1 2011
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2011, the quarter ended March 31, 2011, 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.
Powell, WY · Charter 10155
Q1 2011
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 2009 | Q4 2009 | Q1 2010 | Q3 2010 | Q1 2011 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.27% | -0.06% | -1.23% | -0.38% | 1.11% | +84 bps | |
| Return on Equity | 3.24% | -0.72% | -15.09% | -3.93% | 12.84% | +959 bps | |
| Net Interest Margin | 4.12% | 4.18% | 4.46% | 5.14% | 4.79% | +67 bps | |
| Efficiency Ratio | 88.55% | 82.67% | 100.01% | 90.87% | 80.93% | -762 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 7.92% | 16.43% | 6.31% | -18.67% | -2.05% | -997 bps | |
| Loan Growth (YoY) | -5.29% | -3.34% | -5.36% | -3.84% | 2.01% | +730 bps | |
| Share Growth (YoY) | 8.20% | 18.17% | 7.35% | -20.71% | -2.53% | -1,073 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 5.00% | 5.12% | 5.97% | 8.18% | 4.85% | -16 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.23% | 0.34% | 0.74% | 0.71% | 0.64% | +40 bps | |
| Capital | |||||||
| Risk-Based Capital | 8.31% | 8.11% | 8.13% | 9.56% | 8.65% | +35 bps | |
| Net Worth / Assets | 8.31% | 8.11% | 8.13% | 9.56% | 8.65% | +35 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 60.94% | 61.26% | 62.85% | 73.44% | 63.78% | +284 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |