Fancyfarm, KY · Charter 61166
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.
Fancyfarm, KY · Charter 61166
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 | -1.07% | -1.43% | -2.16% | -3.04% | -3.15% | -208 bps | |
| Return on Equity | -9.22% | -12.41% | -19.72% | -30.09% | -36.68% | -2,746 bps | |
| Net Interest Margin | 1.53% | 1.34% | 1.13% | 0.16% | -0.07% | -160 bps | |
| Efficiency Ratio | 102.74% | 195.16% | 267% | n/a | n/a | n/a | |
| Growth | |||||||
| Asset Growth (YoY) | 4.37% | 5.29% | -1.44% | -3.35% | -7.55% | -1,192 bps | |
| Loan Growth (YoY) | -26.34% | -30.78% | -28.79% | -26.19% | -22.09% | +425 bps | |
| Share Growth (YoY) | 6.13% | 6.60% | 0.91% | -1.37% | -4.49% | -1,062 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 2.64% | 4.55% | 4.69% | 0.57% | 3.84% | +119 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 7.74% | 8.59% | 8.89% | 9.99% | 10.02% | +228 bps | |
| Capital | |||||||
| Risk-Based Capital | 11.57% | 11.49% | 10.95% | 10.11% | 8.58% | -299 bps | |
| Net Worth / Assets | 11.57% | 11.49% | 10.95% | 10.11% | 8.58% | -299 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 9.47% | 8.87% | 8.89% | 7.78% | 7.73% | -174 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |