New Augusta, MS · Charter 24208
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.
New Augusta, MS · Charter 24208
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 | -1.22% | -1.00% | -3.41% | -3.75% | 0.63% | +185 bps | |
| Return on Equity | -3.89% | -3.26% | -11.23% | -14.16% | 2.66% | +655 bps | |
| Net Interest Margin | 6.28% | 6.16% | 5.56% | 5.22% | 5.20% | -108 bps | |
| Efficiency Ratio | 108.87% | 108.27% | 113.66% | 109.80% | 88.55% | -2,032 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -5.10% | 5.73% | 1.48% | 6.68% | 10.39% | +1,549 bps | |
| Loan Growth (YoY) | -12.47% | -14.86% | -13.30% | -8.46% | -6.50% | +597 bps | |
| Share Growth (YoY) | -6.98% | 8.97% | 3.36% | 14.75% | 24.13% | +3,111 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 9.02% | 7.20% | 7.52% | 6.49% | 2.10% | -692 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.92% | 0.56% | 1.76% | 2.12% | 2.72% | +179 bps | |
| Capital | |||||||
| Risk-Based Capital | 31.35% | 30.80% | 30.38% | 26.48% | 23.63% | -772 bps | |
| Net Worth / Assets | 31.35% | 30.80% | 30.38% | 26.48% | 23.63% | -772 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 91.83% | 85.21% | 82.35% | 76.01% | 69.17% | -2,266 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |