Scottsbluff, NE · Charter 13768
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.
Scottsbluff, NE · Charter 13768
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 | -1.10% | -1.40% | -3.78% | -1.90% | -1.41% | -31 bps | |
| Return on Equity | -7.41% | -9.24% | -29.12% | -17.60% | -13.80% | -639 bps | |
| Net Interest Margin | 4.45% | 4.49% | 3.65% | 3.39% | 3.38% | -107 bps | |
| Efficiency Ratio | 105.09% | 114.11% | 198.48% | 149.09% | 136.75% | +3,166 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 2.93% | 6.29% | 5.96% | 15.93% | 17.48% | +1,455 bps | |
| Loan Growth (YoY) | -6.86% | -9.97% | -12.77% | -14.97% | -16.58% | -972 bps | |
| Share Growth (YoY) | 4.38% | 9.47% | 9.32% | 22.05% | 24.13% | +1,975 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.70% | 0.15% | 0.17% | 0.00% | 0.00% | -70 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 3.21% | 2.98% | 3.30% | 3.13% | 3.42% | +21 bps | |
| Capital | |||||||
| Risk-Based Capital | 14.88% | 15.10% | 12.98% | 10.81% | 10.22% | -466 bps | |
| Net Worth / Assets | 14.88% | 15.10% | 12.98% | 10.81% | 10.22% | -466 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 67.71% | 68.29% | 55.89% | 50.30% | 45.50% | -2,221 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |