Rockford, IL · Charter 61194
Q3 2011
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2011, the quarter ended September 30, 2011, 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.
Rockford, IL · Charter 61194
Q3 2011
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 2010 | Q3 2010 | Q1 2011 | Q2 2011 | Q3 2011 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.25% | -0.72% | 1.66% | 1.43% | 1.31% | +106 bps | |
| Return on Equity | 2.97% | -9.30% | 18.90% | 14.65% | 12.75% | +978 bps | |
| Net Interest Margin | 3.22% | 3.55% | 4.37% | 4.72% | 4.82% | +160 bps | |
| Efficiency Ratio | 92.99% | 90.09% | 66.76% | 73.30% | 75.93% | -1,706 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -15.63% | -9.97% | -11.08% | -17.16% | -12.21% | +342 bps | |
| Loan Growth (YoY) | -6.71% | -8.20% | -6.43% | -0.98% | 12.65% | +1,936 bps | |
| Share Growth (YoY) | -16.65% | -9.34% | -11.46% | -18.89% | -14.10% | +255 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 2.93% | 2.13% | 2.84% | 1.57% | 1.75% | -118 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.94% | 1.87% | 1.71% | 1.81% | 1.34% | +40 bps | |
| Capital | |||||||
| Risk-Based Capital | 8.33% | 7.69% | 8.77% | 9.75% | 10.26% | +194 bps | |
| Net Worth / Assets | 8.33% | 7.69% | 8.77% | 9.75% | 10.26% | +194 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 58.62% | 57.76% | 59.42% | 68.32% | 76.87% | +1,825 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |