Barrington, IL · Charter 60321
Q2 2011
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2011, the quarter ended June 30, 2011, 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.
Barrington, IL · Charter 60321
Q2 2011
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 | Q4 2009 | Q1 2010 | Q3 2010 | Q1 2011 | Q2 2011 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -1.91% | -0.15% | -1.60% | -2.90% | -2.93% | -102 bps | |
| Return on Equity | -16.02% | -1.54% | -17.23% | -28.66% | -25.72% | -970 bps | |
| Net Interest Margin | 2.83% | 3.00% | 2.81% | 3.11% | 3.35% | +52 bps | |
| Efficiency Ratio | 118.67% | 104.96% | 136.45% | 118.39% | 145.81% | +2,714 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 1.26% | 1.54% | -5.95% | -18.15% | -32.78% | -3,404 bps | |
| Loan Growth (YoY) | -5.78% | -8.26% | -26.86% | -36.56% | -40.82% | -3,504 bps | |
| Share Growth (YoY) | 3.94% | 6.02% | -2.43% | -17.96% | -35.68% | -3,962 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 2.75% | 3.09% | 1.85% | 0.00% | 1.13% | -162 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 2.12% | 3.08% | 3.45% | 4.27% | 4.71% | +259 bps | |
| Capital | |||||||
| Risk-Based Capital | 11.94% | 9.85% | 9.31% | 10.12% | 11.40% | -54 bps | |
| Net Worth / Assets | 11.94% | 9.85% | 9.31% | 10.12% | 11.40% | -54 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 33.97% | 30.49% | 28.43% | 28.18% | 31.26% | -271 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |