Peoria, IL · Charter 4674
Q1 2013
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2013, the quarter ended March 31, 2013, 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.
Peoria, IL · Charter 4674
Q1 2013
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 2012 | Q2 2012 | Q3 2012 | Q4 2012 | Q1 2013 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.25% | 0.21% | -0.02% | -0.49% | -31.42% | -3,167 bps | |
| Return on Equity | 1.17% | 1.01% | -0.11% | -2.46% | -176.38% | -17,755 bps | |
| Net Interest Margin | 2.44% | 2.24% | 2.16% | 2.06% | -16.63% | -1,907 bps | |
| Efficiency Ratio | 89.86% | 90.51% | 101.09% | 123.94% | n/a | n/a | |
| Growth | |||||||
| Asset Growth (YoY) | 1.02% | -0.26% | 0.21% | 1.63% | -4.30% | -532 bps | |
| Loan Growth (YoY) | -25.22% | -19.97% | -27.47% | -24.76% | -23.58% | +164 bps | |
| Share Growth (YoY) | 1.61% | -0.09% | 0.35% | 2.52% | -0.10% | -171 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 6.77% | 6.47% | 7.27% | 7.24% | 7.68% | +92 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.68% | 1.80% | 2.04% | 2.25% | 2.70% | +102 bps | |
| Capital | |||||||
| Risk-Based Capital | 21.15% | 20.96% | 20.96% | 20.09% | 17.82% | -334 bps | |
| Net Worth / Assets | 21.15% | 20.96% | 20.96% | 20.09% | 17.82% | -334 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 16.11% | 15.79% | 14.44% | 13.54% | 12.32% | -379 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |