Sparks, NV · Charter 12618
Q1 2012
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2012, the quarter ended March 31, 2012, 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.
Sparks, NV · Charter 12618
Q1 2012
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 2011 | Q2 2011 | Q3 2011 | Q4 2011 | Q1 2012 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -0.47% | -1.41% | -1.27% | -1.07% | -1.11% | -64 bps | |
| Return on Equity | -7.55% | -23.93% | -21.20% | -17.84% | -18.21% | -1,067 bps | |
| Net Interest Margin | 2.09% | 2.16% | 2.26% | 2.26% | 2.15% | +7 bps | |
| Efficiency Ratio | 119.28% | 116.89% | 122.04% | 120.99% | 115.47% | -381 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -0.29% | -2.98% | -11.02% | -10.86% | -14.90% | -1,461 bps | |
| Loan Growth (YoY) | -23.75% | -24.02% | -22.52% | -24.24% | -20.40% | +335 bps | |
| Share Growth (YoY) | 2.41% | -1.20% | -9.77% | -9.48% | -14.74% | -1,715 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 3.17% | 2.25% | 2.41% | 2.24% | 1.07% | -210 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 2.35% | 2.98% | 3.10% | 1.99% | 2.01% | -34 bps | |
| Capital | |||||||
| Risk-Based Capital | 6.26% | 5.87% | 6.00% | 5.99% | 6.09% | -18 bps | |
| Net Worth / Assets | 6.26% | 5.87% | 6.00% | 5.99% | 6.09% | -18 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 36.70% | 35.64% | 36.99% | 34.31% | 34.26% | -243 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |