Alton, IL · Charter 20634
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.
Alton, IL · Charter 20634
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 | 0.65% | -0.88% | 0.84% | 0.81% | -11.40% | -1,205 bps | |
| Return on Equity | 10.12% | -18.60% | 17.79% | 15.07% | -505% | -51,519 bps | |
| Net Interest Margin | 6.55% | 6.23% | 5.97% | 6.52% | 6.35% | -19 bps | |
| Efficiency Ratio | 87.35% | 95.54% | 88.22% | 81.62% | 85.84% | -151 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 2.15% | 1.38% | 7.75% | 2.31% | 7.34% | +519 bps | |
| Loan Growth (YoY) | 5.04% | 6.34% | 7.51% | 13.85% | 5.88% | +85 bps | |
| Share Growth (YoY) | 4.30% | 3.06% | 8.92% | 3.02% | 12.66% | +837 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.87% | 1.68% | 0.83% | 1.76% | 4.29% | +342 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.44% | 1.98% | 1.51% | 1.53% | 5.27% | +383 bps | |
| Capital | |||||||
| Risk-Based Capital | 6.45% | 4.76% | 4.73% | 5.37% | 2.26% | -419 bps | |
| Net Worth / Assets | 6.45% | 4.76% | 4.73% | 5.37% | 2.26% | -419 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 100.98% | 96.01% | 91.05% | 106.31% | 94.90% | -608 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |