Liberty, SC · Charter 22129
Q3 2010
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2010, the quarter ended September 30, 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.
Liberty, SC · Charter 22129
Q3 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 | Q2 2009 | Q3 2009 | Q4 2009 | Q1 2010 | Q3 2010 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.07% | 0.10% | 0.13% | 1.48% | -0.18% | -25 bps | |
| Return on Equity | 0.35% | 0.48% | 0.66% | 7.71% | -0.93% | -128 bps | |
| Net Interest Margin | 3.75% | 3.79% | 3.70% | 3.73% | 3.49% | -26 bps | |
| Efficiency Ratio | 92.63% | 93.77% | 93.52% | 76.79% | 103.14% | +1,051 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 5.04% | 5.28% | 11.28% | 7.12% | 2.22% | -282 bps | |
| Loan Growth (YoY) | -10.83% | -5.44% | -3.25% | -5.86% | -10.23% | +61 bps | |
| Share Growth (YoY) | 5.80% | 5.85% | 14.48% | 8.39% | 3.17% | -264 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.25% | +25 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.45% | 0.44% | 0.45% | 0.25% | 0.27% | -19 bps | |
| Capital | |||||||
| Risk-Based Capital | 19.74% | 20.01% | 19.80% | 19.23% | 19.27% | -47 bps | |
| Net Worth / Assets | 19.74% | 20.01% | 19.80% | 19.23% | 19.27% | -47 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 62.48% | 65.18% | 63.19% | 56.47% | 54.37% | -811 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |