Alton, IL · Charter 60656
Q1 2014
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2014, the quarter ended March 31, 2014, 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.
Alton, IL · Charter 60656
Q1 2014
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 2013 | Q2 2013 | Q3 2013 | Q4 2013 | Q1 2014 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -0.17% | -0.19% | -0.19% | -0.18% | -0.39% | -22 bps | |
| Return on Equity | -2.83% | -2.80% | -2.65% | -2.49% | -5.74% | -290 bps | |
| Net Interest Margin | 2.66% | 2.63% | 2.79% | 2.90% | 2.89% | +23 bps | |
| Efficiency Ratio | 102.42% | 102.97% | 100.39% | 98.82% | 102.75% | +33 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 0.80% | -0.08% | -1.01% | -3.77% | -4.46% | -526 bps | |
| Loan Growth (YoY) | -7.51% | -5.72% | -4.67% | -0.70% | -1.32% | +619 bps | |
| Share Growth (YoY) | 1.67% | 0.62% | -0.58% | -3.27% | -4.21% | -588 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.39% | 0.54% | 1.19% | 2.09% | 1.49% | +111 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.37% | 0.34% | 0.44% | 0.48% | 0.60% | +23 bps | |
| Capital | |||||||
| Risk-Based Capital | 5.94% | 6.79% | 7.01% | 7.22% | 6.84% | +90 bps | |
| Net Worth / Assets | 5.94% | 6.79% | 7.01% | 7.22% | 6.84% | +90 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 48.69% | 48.84% | 51.02% | 53.26% | 50.15% | +147 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |