Avery Island, LA · Charter 23383
Q1 2012
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2012, the quarter ended March 31, 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.
Avery Island, LA · Charter 23383
Q1 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 | Q1 2011 | Q2 2011 | Q3 2011 | Q4 2011 | Q1 2012 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -1.45% | -0.25% | -0.49% | -0.82% | -5.43% | -399 bps | |
| Return on Equity | -22.47% | -3.91% | -8.03% | -12.76% | -103.97% | -8,150 bps | |
| Net Interest Margin | 2.47% | 2.66% | 2.65% | 2.97% | 3.61% | +113 bps | |
| Efficiency Ratio | 152.45% | 107.57% | 115.29% | 123.05% | 226% | +7,348 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -11.95% | -5.42% | -3.93% | -12.89% | -7.70% | +425 bps | |
| Loan Growth (YoY) | 15.46% | 32.56% | 54.09% | 55.76% | -3.20% | -1,866 bps | |
| Share Growth (YoY) | -7.08% | -0.26% | 1.12% | -2.56% | -4.69% | +240 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 3.38% | 2.20% | 2.31% | 5.82% | 5.99% | +260 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.45% | 1.44% | 1.43% | 0.67% | 1.48% | +3 bps | |
| Capital | |||||||
| Risk-Based Capital | 6.44% | 6.34% | 6.09% | 6.42% | 5.23% | -122 bps | |
| Net Worth / Assets | 6.44% | 6.34% | 6.09% | 6.42% | 5.23% | -122 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 42.24% | 43.90% | 42.95% | 44.29% | 42.90% | +66 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |