Ellsworth, KS · Charter 5637
Q3 2013
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2013, the quarter ended September 30, 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.
Ellsworth, KS · Charter 5637
Q3 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 | Q3 2012 | Q4 2012 | Q1 2013 | Q2 2013 | Q3 2013 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -0.24% | -0.30% | -0.88% | -2.96% | -2.22% | -198 bps | |
| Return on Equity | -3.99% | -5.17% | -15.83% | -65.27% | -51.77% | -4,778 bps | |
| Net Interest Margin | 3.26% | 3.17% | 2.59% | 2.67% | 2.73% | -52 bps | |
| Efficiency Ratio | 105.44% | 107.05% | 120.56% | 116.23% | 117.16% | +1,171 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -11.04% | -0.58% | 0.57% | 0.76% | -1.85% | +918 bps | |
| Loan Growth (YoY) | -19.83% | -26.69% | -13.49% | -11.07% | -11.29% | +853 bps | |
| Share Growth (YoY) | -11.55% | -0.30% | 0.99% | 2.58% | -0.24% | +1,130 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 5.37% | 4.92% | 4.19% | 1.18% | 1.43% | -394 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.17% | 0.96% | 0.66% | 0.39% | 1.01% | -16 bps | |
| Capital | |||||||
| Risk-Based Capital | 5.95% | 5.88% | 5.57% | 4.54% | 4.29% | -167 bps | |
| Net Worth / Assets | 5.95% | 5.88% | 5.57% | 4.54% | 4.29% | -167 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 46.61% | 44.14% | 46.35% | 45.70% | 41.45% | -516 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |