Madison, SD · Charter 20330
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.
Madison, SD · Charter 20330
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 | -1.51% | -0.83% | 0.28% | 0.41% | -0.35% | +116 bps | |
| Return on Equity | -30.85% | -18.17% | 6.51% | 9.39% | -8.66% | +2,218 bps | |
| Net Interest Margin | 4.95% | 4.82% | 4.81% | 4.63% | 4.85% | -10 bps | |
| Efficiency Ratio | 75.57% | 84.98% | 86.40% | 85.53% | 98.01% | +2,244 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -2.17% | 2.31% | 4.79% | 5.91% | 0.77% | +294 bps | |
| Loan Growth (YoY) | 0.46% | 1.30% | -1.22% | 4.01% | 6.15% | +569 bps | |
| Share Growth (YoY) | -1.53% | 3.88% | 6.74% | 6.92% | 1.71% | +324 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 1.16% | 2.29% | 0.33% | 0.04% | 0.03% | -112 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.87% | 1.64% | 1.96% | 1.92% | 1.96% | +9 bps | |
| Capital | |||||||
| Risk-Based Capital | 4.91% | 4.55% | 4.32% | 4.32% | 4.02% | -88 bps | |
| Net Worth / Assets | 4.91% | 4.55% | 4.32% | 4.32% | 4.02% | -88 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 74.88% | 75.13% | 74.44% | 73.90% | 78.15% | +327 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 97.05% | 0.00% | 0 bps | |