Shell Knob, MO · Charter 24717
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.
Shell Knob, MO · Charter 24717
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 | -1.47% | 1.39% | 1.10% | 0.57% | 0.35% | +181 bps | |
| Return on Equity | -52.64% | 35.86% | 27.36% | 14.81% | 10.52% | +6,315 bps | |
| Net Interest Margin | 4.22% | 4.41% | 4.40% | 4.92% | 7.28% | +305 bps | |
| Efficiency Ratio | 115.19% | 82.67% | 81.02% | 78.86% | 70.26% | -4,493 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -0.28% | -10.11% | -5.62% | -6.75% | -1.76% | -148 bps | |
| Loan Growth (YoY) | -8.65% | -14.26% | -16.94% | -12.64% | -3.70% | +495 bps | |
| Share Growth (YoY) | 5.57% | -6.64% | -1.34% | -2.94% | -0.91% | -648 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 10.09% | 12.30% | 13.36% | 12.57% | 12.21% | +212 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 2.75% | 1.81% | 1.15% | 1.97% | 1.06% | -169 bps | |
| Capital | |||||||
| Risk-Based Capital | 2.78% | 3.87% | 4.03% | 3.85% | 3.30% | +52 bps | |
| Net Worth / Assets | 2.78% | 3.87% | 4.03% | 3.85% | 3.30% | +52 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 78.26% | 77.48% | 78.43% | 77.22% | 76.06% | -220 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |