Granite City, IL · Charter 4336
Q2 2012
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 | Q2 2011 | Q3 2011 | Q4 2011 | Q1 2012 | Q2 2012 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.77% | 0.44% | 0.46% | 0.46% | 0.47% | -31 bps | |
| Return on Equity | 6.99% | 4.00% | 4.17% | 4.30% | 4.42% | -257 bps | |
| Net Interest Margin | 3.92% | 3.96% | 3.91% | 3.50% | 3.45% | -47 bps | |
| Efficiency Ratio | 75.32% | 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 / Loans | 0.40% | 0.52% | 0.44% | 0.41% | 0.34% | -6 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.65% | 0.67% | 0.72% | 0.73% | 0.73% | +8 bps | |
| Capital | |||||||
| Risk-Based Capital | 11.05% | 11.05% | 11.14% | 10.67% | 10.52% | -54 bps | |
| Net Worth / Assets | 11.05% | 11.05% | 11.14% | 10.67% | 10.52% | -54 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 87.47% | 87.99% | 86.79% | 81.83% | 81.62% | -584 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |