Danville, IL · Charter 60382
Q2 2013
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2013, the quarter ended June 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.
Danville, IL · Charter 60382
Q2 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 | Q2 2012 | Q3 2012 | Q4 2012 | Q1 2013 | Q2 2013 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -1.12% | -1.31% | -1.56% | -0.17% | -0.69% | +43 bps | |
| Return on Equity | -14.44% | -16.29% | -21.14% | -2.27% | -8.83% | +561 bps | |
| Net Interest Margin | 4.39% | 4.75% | 4.61% | 4.49% | 4.59% | +20 bps | |
| Efficiency Ratio | 95.23% | 94.69% | 95.42% | 102.68% | 109.74% | +1,450 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -1.78% | -4.87% | -2.34% | -10.07% | -15.66% | -1,387 bps | |
| Loan Growth (YoY) | -7.02% | -10.90% | -15.55% | -16.26% | -16.96% | -994 bps | |
| Share Growth (YoY) | -1.23% | -4.32% | -0.76% | -13.03% | -15.77% | -1,454 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 3.99% | 6.08% | 10.94% | 5.36% | 4.33% | +34 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 2.19% | 2.78% | 3.74% | 3.49% | 3.27% | +108 bps | |
| Capital | |||||||
| Risk-Based Capital | 7.72% | 8.02% | 7.38% | 7.55% | 7.77% | +5 bps | |
| Net Worth / Assets | 7.72% | 8.02% | 7.38% | 7.55% | 7.77% | +5 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 60.24% | 63.11% | 58.14% | 60.14% | 59.39% | -85 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |