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Granite City Steel & Community

Granite City, IL · Charter 4336

Q2 2012

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, not published for this institution and quartern/a

Basis

Quarter: Q2 2012, the quarter ended June 30, 2012, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

No peer standings are published for this institution and quarter.

Peer groups below the disclosure floor are suppressed.

Source: NCUA 5300 Call Report, as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Granite City Steel & Community

Granite City, IL · Charter 4336

Q2 2012

$322.5MAssets
$234.3MLoans
$287.1MShares
$33.9MNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of 0.47%, down 31 bps year over year; NIM at 3.45%.
  • Asset quality: problem loans at 0.34% of loans (-6 bps YoY).
  • Capital: net worth / assets of 10.52%, down 54 bps from a year ago.
  • Funding: loans stand at 81.62% of shares as of Q2 2012.

Financial Results

Return on Assets (YTD, annualized)

0.47%-31 bps YoY

Net Interest Margin (YTD, annualized)

3.45%-47 bps YoY

Efficiency Ratio (YTD, annualized)

79.24%+392 bps YoY

Net Worth / Assets

10.52%-54 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2011Q3 2011Q4 2011Q1 2012Q2 2012YoY ΔTrend
Earnings
Return on Assets0.77%0.44%0.46%0.46%0.47%-31 bps
Return on Equity6.99%4.00%4.17%4.30%4.42%-257 bps
Net Interest Margin3.92%3.96%3.91%3.50%3.45%-47 bps
Efficiency Ratio75.32%81.44%79.97%79.21%79.24%+392 bps
Growth
Asset Growth (YoY)4.37%0.80%4.62%5.64%8.24%+388 bps
Loan Growth (YoY)-2.04%-1.69%-3.60%0.68%1.59%+363 bps
Share Growth (YoY)3.72%0.04%4.46%5.84%8.86%+514 bps
Asset Quality
Delinquent Loans / Loans0.40%0.52%0.44%0.41%0.34%-6 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.65%0.67%0.72%0.73%0.73%+8 bps
Capital
Risk-Based Capital11.05%11.05%11.14%10.67%10.52%-54 bps
Net Worth / Assets11.05%11.05%11.14%10.67%10.52%-54 bps
Liquidity & Funding
Loans / Shares87.47%87.99%86.79%81.83%81.62%-584 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps