Oglesby, IL · Charter 15702
Q3 2012
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2012, the quarter ended September 30, 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.
Oglesby, IL · Charter 15702
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 | 0.96% | 0.25% | 1.06% | 0.48% | -6.03% | -699 bps | |
| Return on Equity | 6.72% | 1.81% | 7.32% | 3.31% | -59.64% | -6,636 bps | |
| Net Interest Margin | 5.99% | 5.06% | 5.44% | 5.52% | 5.62% | -37 bps | |
| Efficiency Ratio | 84.92% | 95.40% | 80.56% | 91.31% | 88.25% | +333 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 2.03% | 5.32% | -2.78% | -3.42% | -5.43% | -746 bps | |
| Loan Growth (YoY) | 25.90% | -1.86% | -1.66% | 1.13% | -11.33% | -3,723 bps | |
| Share Growth (YoY) | 2.29% | 6.79% | -3.30% | -3.71% | -0.76% | -305 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 4.02% | 4.21% | 5.70% | 23.89% | 21.28% | +1,727 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 4.43% | 4.63% | 4.64% | 4.64% | 7.64% | +322 bps | |
| Capital | |||||||
| Risk-Based Capital | 14.31% | 13.59% | 14.44% | 14.47% | 10.11% | -420 bps | |
| Net Worth / Assets | 14.31% | 13.59% | 14.44% | 14.47% | 10.11% | -420 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 99.17% | 92.28% | 97.09% | 97.57% | 88.61% | -1,056 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |