Lithonia, GA · Charter 24572
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.
Lithonia, GA · Charter 24572
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 | -2.63% | -5.55% | 0.66% | 0.24% | -1.10% | +152 bps | |
| Return on Equity | -48.53% | -233% | 27.32% | 9.12% | -100.46% | -5,192 bps | |
| Net Interest Margin | 6.91% | 7.29% | 5.81% | 5.73% | 3.81% | -310 bps | |
| Efficiency Ratio | 93.67% | 93.68% | 86.47% | 88.58% | 108.63% | +1,497 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -15.93% | -18.58% | -21.73% | -18.78% | 4.68% | +2,061 bps | |
| Loan Growth (YoY) | -8.60% | -20.93% | -22.02% | -30.10% | -39.20% | -3,060 bps | |
| Share Growth (YoY) | -15.12% | -14.97% | -22.67% | -16.84% | 10.31% | +2,543 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 5.39% | 6.52% | 5.67% | 3.81% | 7.51% | +212 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.86% | 3.86% | 3.81% | 2.99% | 3.93% | +307 bps | |
| Capital | |||||||
| Risk-Based Capital | 5.41% | 2.38% | 2.40% | 2.62% | 1.10% | -431 bps | |
| Net Worth / Assets | 5.41% | 2.38% | 2.40% | 2.62% | 1.10% | -431 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 87.70% | 83.33% | 73.96% | 66.60% | 48.34% | -3,936 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 99.26% | 0.00% | 0.00% | 0 bps | |