Madison, IL · Charter 60687
Q3 2010
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2010, the quarter ended September 30, 2010, 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.
Madison, IL · Charter 60687
Q3 2010
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 2009 | Q3 2009 | Q4 2009 | Q1 2010 | Q3 2010 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.32% | 0.25% | -5.94% | -1.55% | 2.90% | +258 bps | |
| Return on Equity | 2.69% | 2.03% | -74.92% | -24.96% | 31.55% | +2,885 bps | |
| Net Interest Margin | 4.13% | 4.14% | 3.94% | 3.84% | 6.09% | +196 bps | |
| Efficiency Ratio | 90.84% | 88.98% | 135.20% | 124.75% | 64.40% | -2,644 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 8.75% | 15.97% | 8.27% | -6.70% | -28.14% | -3,689 bps | |
| Loan Growth (YoY) | -9.19% | -9.05% | -6.04% | -15.20% | -19.45% | -1,027 bps | |
| Share Growth (YoY) | 10.38% | 28.08% | 16.88% | 0.83% | -25.16% | -3,554 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 12.17% | 15.50% | 11.93% | 5.98% | 4.13% | -804 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 2.96% | 3.05% | 9.28% | 4.63% | 7.72% | +476 bps | |
| Capital | |||||||
| Risk-Based Capital | 11.80% | 12.10% | 7.93% | 6.20% | 9.19% | -260 bps | |
| Net Worth / Assets | 11.80% | 12.10% | 7.93% | 6.20% | 9.19% | -260 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 57.13% | 57.35% | 66.19% | 54.55% | 61.49% | +436 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |