Wood River, IL · Charter 4617
Q3 2007
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2007, the quarter ended September 30, 2007, 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.
Wood River, IL · Charter 4617
Q3 2007
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 2006 | Q4 2006 | Q1 2007 | Q2 2007 | Q3 2007 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.13% | 0.20% | 2.96% | 0.70% | 0.06% | -7 bps | |
| Return on Equity | 1.17% | 1.64% | 24.18% | 5.63% | 0.48% | -69 bps | |
| Net Interest Margin | 5.50% | 5.63% | 5.37% | 5.56% | 5.65% | +14 bps | |
| Efficiency Ratio | 86.03% | 87.03% | 92.68% | 94.97% | 100.35% | +1,432 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -5.83% | -9.34% | -8.48% | -8.81% | -6.37% | -54 bps | |
| Loan Growth (YoY) | 4.51% | 2.60% | 0.99% | -3.92% | -8.12% | -1,262 bps | |
| Share Growth (YoY) | -8.22% | -11.98% | -11.68% | -11.79% | -7.30% | +92 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.76% | 0.87% | 0.58% | 0.67% | 0.97% | +21 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.72% | 1.72% | 0.63% | 0.63% | 0.64% | -108 bps | |
| Capital | |||||||
| Risk-Based Capital | 11.50% | 11.89% | 12.26% | 12.41% | 12.42% | +92 bps | |
| Net Worth / Assets | 11.50% | 11.89% | 12.26% | 12.41% | 12.42% | +92 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 89.66% | 92.03% | 86.66% | 89.85% | 88.87% | -79 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |