Little Rock, AR · Charter 24427
Q1 2009
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2009, the quarter ended March 31, 2009, 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.
Little Rock, AR · Charter 24427
Q1 2009
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 2008 | Q2 2008 | Q3 2008 | Q4 2008 | Q1 2009 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.40% | 1.25% | 1.16% | 1.18% | -2.81% | -421 bps | |
| Return on Equity | 8.73% | 7.89% | 7.34% | 7.70% | -18.26% | -2,699 bps | |
| Net Interest Margin | 1.82% | 1.80% | 1.74% | 1.69% | 1.20% | -62 bps | |
| Efficiency Ratio | 30.24% | 36.37% | 39.04% | 35.81% | 47.70% | +1,747 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 9.36% | 17.46% | 19.66% | 30.47% | 5.36% | -401 bps | |
| Loan Growth (YoY) | 12.03% | 7.51% | 10.42% | 0.98% | -1.94% | -1,397 bps | |
| Share Growth (YoY) | 8.93% | 19.03% | 22.07% | 35.47% | 5.78% | -315 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 1.32% | 0.93% | 0.78% | 1.06% | 0.80% | -52 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.59% | 1.62% | 1.56% | 1.63% | 1.62% | +4 bps | |
| Capital | |||||||
| Risk-Based Capital | 16.01% | 15.89% | 15.82% | 15.35% | 15.40% | -61 bps | |
| Net Worth / Assets | 16.01% | 15.89% | 15.82% | 15.35% | 15.40% | -61 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 74.13% | 71.42% | 72.14% | 65.08% | 68.72% | -541 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |