Granite City, IL · Charter 11720
Q3 2010
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2010, the quarter ended September 30, 2010, 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.
Granite City, IL · Charter 11720
Q3 2010
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 | Q2 2009 | Q3 2009 | Q4 2009 | Q1 2010 | Q3 2010 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -0.67% | -0.90% | -0.78% | 0.24% | -0.60% | +6 bps | |
| Return on Equity | -9.35% | -11.90% | -11.03% | 3.21% | -8.75% | +60 bps | |
| Net Interest Margin | 3.93% | 4.03% | 3.97% | 4.61% | 4.55% | +62 bps | |
| Efficiency Ratio | 100.85% | 109.24% | 113.85% | 87.16% | 100.74% | -12 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 2.13% | 3.26% | 5.08% | 0.41% | -4.87% | -700 bps | |
| Loan Growth (YoY) | -6.50% | 3.13% | -0.47% | -0.05% | 7.25% | +1,375 bps | |
| Share Growth (YoY) | 3.02% | 4.07% | 6.45% | -0.30% | -7.57% | -1,059 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.00% | 0.25% | 0.25% | 0.25% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.75% | 0.76% | 0.26% | 0.16% | 0.24% | -51 bps | |
| Capital | |||||||
| Risk-Based Capital | 7.12% | 7.60% | 7.10% | 7.32% | 6.89% | -23 bps | |
| Net Worth / Assets | 7.12% | 7.60% | 7.10% | 7.32% | 6.89% | -23 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 63.97% | 69.42% | 68.04% | 68.02% | 74.22% | +1,026 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |