Marks, MS · Charter 23810
Q1 2010
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2010, the quarter ended March 31, 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.
Marks, MS · Charter 23810
Q1 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 | Q1 2009 | Q2 2009 | Q3 2009 | Q4 2009 | Q1 2010 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -7.76% | -8.23% | -5.71% | -6.79% | 0.85% | +862 bps | |
| Return on Equity | -205% | -775% | -642% | n/a | n/a | n/a | |
| Net Interest Margin | 5.97% | 6.42% | 6.63% | 5.34% | 5.34% | -64 bps | |
| Efficiency Ratio | 119.53% | 117.65% | 101.52% | 133.91% | 87.76% | -3,177 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -6.35% | -13.29% | -11.99% | -1.68% | -7.13% | -78 bps | |
| Loan Growth (YoY) | -5.05% | -3.74% | -7.29% | -11.42% | 15.61% | +2,065 bps | |
| Share Growth (YoY) | -6.27% | -12.19% | -8.32% | 10.27% | -1.69% | +458 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 2.89% | 2.93% | 2.16% | 3.71% | 2.58% | -30 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.46% | 2.60% | 3.73% | 3.74% | 2.92% | +246 bps | |
| Capital | |||||||
| Risk-Based Capital | 3.79% | 1.06% | 0.89% | -4.30% | -1.41% | -521 bps | |
| Net Worth / Assets | 3.79% | 1.06% | 0.89% | -4.30% | -1.41% | -521 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 73.42% | 83.50% | 79.07% | 66.04% | 86.34% | +1,292 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |