Antioch, IL · Charter 14519
Q1 2010
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2010, the quarter ended March 31, 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.
Antioch, IL · Charter 14519
Q1 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 | Q1 2009 | Q2 2009 | Q3 2009 | Q4 2009 | Q1 2010 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -3.49% | -3.75% | -2.29% | -3.04% | -1.05% | +244 bps | |
| Return on Equity | -7.51% | -7.80% | -4.64% | -5.96% | -21.48% | -1,397 bps | |
| Net Interest Margin | 0.23% | -0.03% | -0.13% | -0.04% | 0.00% | -23 bps | |
| Efficiency Ratio | 655% | 41000% | 660% | 654% | n/a | n/a | |
| Growth | |||||||
| Asset Growth (YoY) | 6.10% | -6.15% | -10.63% | -13.74% | -97.58% | -10,368 bps | |
| Loan Growth (YoY) | -67.92% | -69.49% | -70.22% | -100.00% | -100.00% | -3,208 bps | |
| Share Growth (YoY) | 15.70% | -9.55% | -14.42% | -20.40% | -99.90% | -11,560 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.00% | 0.00% | 64.41% | n/a | n/a | n/a | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 24.79% | 30.40% | 39.20% | n/a | n/a | n/a | |
| Capital | |||||||
| Risk-Based Capital | 46.51% | 48.06% | 49.27% | 51.11% | 4.91% | -4,160 bps | |
| Net Worth / Assets | 46.51% | 48.06% | 49.27% | 51.11% | 4.91% | -4,160 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 6.78% | 6.01% | 4.78% | 0.00% | 0.00% | -678 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |