Albany, GA · Charter 12999
Q3 2011
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2011, the quarter ended September 30, 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.
Albany, GA · Charter 12999
Q3 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 | Q1 2010 | Q3 2010 | Q1 2011 | Q2 2011 | Q3 2011 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 2.62% | 1.85% | 1.67% | 1.63% | 1.71% | -91 bps | |
| Return on Equity | 30.55% | 19.73% | 17.76% | 17.04% | 17.72% | -1,282 bps | |
| Net Interest Margin | 4.23% | 4.60% | 4.01% | 3.97% | 3.86% | -37 bps | |
| Efficiency Ratio | 74.26% | 73.79% | 74.15% | 75.96% | 75.92% | +167 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 17.42% | 12.95% | 17.07% | 17.77% | 16.88% | -55 bps | |
| Loan Growth (YoY) | 6.77% | 4.49% | 4.68% | 8.93% | 6.97% | +21 bps | |
| Share Growth (YoY) | 16.67% | 12.87% | 16.37% | 16.91% | 17.22% | +55 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.77% | 1.14% | 2.27% | 2.40% | 1.11% | +34 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.92% | 1.54% | 1.30% | 1.13% | 0.80% | -112 bps | |
| Capital | |||||||
| Risk-Based Capital | 8.58% | 9.38% | 9.37% | 9.55% | 9.63% | +106 bps | |
| Net Worth / Assets | 8.58% | 9.38% | 9.37% | 9.55% | 9.63% | +106 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 78.04% | 79.73% | 74.99% | 75.86% | 71.22% | -682 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |