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Commonwealth

Kankakee, IL · Charter 60675

Q4 2011

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, not published for this institution and quartern/a

Basis

Quarter: Q4 2011, the quarter ended December 31, 2011, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

No peer standings are published for this institution and quarter.

Peer groups below the disclosure floor are suppressed.

Source: NCUA 5300 Call Report, as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Commonwealth

Kankakee, IL · Charter 60675

Q4 2011

$62.2MAssets
$44.0MLoans
$54.8MShares
$7.0MNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of 0.16%, up 62 bps year over year; NIM at 3.15%.
  • Asset quality: problem loans at 0.24% of loans (-100 bps YoY).
  • Capital: net worth / assets of 11.30%, up 15 bps from a year ago.
  • Funding: loans stand at 80.28% of shares as of Q4 2011.

Financial Results

Return on Assets (YTD, annualized)

0.16%+62 bps YoY

Net Interest Margin (YTD, annualized)

3.15%+18 bps YoY

Efficiency Ratio (YTD, annualized)

89.86%+308 bps YoY

Net Worth / Assets

11.30%+15 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2010Q1 2011Q2 2011Q3 2011Q4 2011YoY ΔTrend
Earnings
Return on Assets-0.46%0.27%0.26%0.10%0.16%+62 bps
Return on Equity-4.17%2.47%2.30%0.88%1.39%+556 bps
Net Interest Margin2.97%3.01%3.11%3.09%3.15%+18 bps
Efficiency Ratio86.78%86.49%87.15%91.07%89.86%+308 bps
Growth
Asset Growth (YoY)-2.84%7.19%1.56%-3.59%1.87%+471 bps
Loan Growth (YoY)-6.93%3.87%15.87%26.75%32.39%+3,932 bps
Share Growth (YoY)-2.02%8.87%1.84%-3.88%1.62%+364 bps
Asset Quality
Delinquent Loans / Loans1.24%1.13%1.02%0.97%0.24%-100 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.77%0.72%0.73%0.69%0.51%-26 bps
Capital
Risk-Based Capital11.15%10.94%11.24%11.13%11.30%+15 bps
Net Worth / Assets11.15%10.94%11.24%11.13%11.30%+15 bps
Liquidity & Funding
Loans / Shares61.62%65.07%72.15%76.04%80.28%+1,866 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps