Buffalo, IA · Charter 60517
Q4 2012
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 2011 | Q1 2012 | Q2 2012 | Q3 2012 | Q4 2012 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.06% | 1.09% | 0.72% | 0.31% | 0.08% | +2 bps | |
| Return on Equity | 0.29% | 5.50% | 3.62% | 1.51% | 0.63% | +34 bps | |
| Net Interest Margin | 2.78% | 3.77% | 3.30% | 3.00% | 2.72% | -6 bps | |
| Efficiency Ratio | 97.94% | 71.29% | 78.49% | 89.94% | 97.13% | -81 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 3.20% | 4.85% | 2.85% | -0.24% | 1.15% | -205 bps | |
| Loan Growth (YoY) | 6.73% | 7.93% | 14.19% | 8.13% | -1.41% | -814 bps | |
| Share Growth (YoY) | 4.21% | 6.04% | 3.44% | -0.43% | 10.71% | +650 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 1.25% | 0.00% | 0.00% | 0.84% | 2.99% | +174 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.65% | 1.63% | 1.51% | 1.60% | 1.67% | +2 bps | |
| Capital | |||||||
| Risk-Based Capital | 20.07% | 19.89% | 19.89% | 20.33% | 12.60% | -747 bps | |
| Net Worth / Assets | 20.07% | 19.89% | 19.89% | 20.33% | 12.60% | -747 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 70.35% | 69.53% | 74.48% | 73.13% | 62.65% | -770 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |