Bonner Spring, KS · Charter 152
Q3 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 | Q3 2011 | Q4 2011 | Q1 2012 | Q2 2012 | Q3 2012 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -0.80% | 0.02% | 0.09% | -0.58% | -0.56% | +23 bps | |
| Return on Equity | -8.48% | 0.16% | 0.89% | -6.10% | -6.16% | +231 bps | |
| Net Interest Margin | 4.30% | 4.84% | 4.56% | 4.49% | 4.48% | +18 bps | |
| Efficiency Ratio | 115.08% | 107.14% | 97.77% | 109.87% | 109.32% | -576 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -4.45% | -2.34% | -0.88% | 5.04% | 4.37% | +882 bps | |
| Loan Growth (YoY) | 10.18% | 9.50% | 3.29% | 0.54% | -2.24% | -1,242 bps | |
| Share Growth (YoY) | -6.52% | -2.43% | -1.05% | 5.58% | 7.82% | +1,434 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.37% | 0.20% | 0.11% | 0.00% | 0.77% | +39 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.10% | 0.40% | 0.43% | 0.36% | 0.43% | -67 bps | |
| Capital | |||||||
| Risk-Based Capital | 9.39% | 10.44% | 9.71% | 9.49% | 9.16% | -23 bps | |
| Net Worth / Assets | 9.39% | 10.44% | 9.71% | 9.49% | 9.16% | -23 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 70.70% | 74.53% | 65.51% | 67.54% | 64.10% | -660 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |