Tinley Park, IL · Charter 62285
Q4 2011
Board Package
Performance Trends and Peer Comparison
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.
No peer standings are published for this institution and quarter.
Peer groups below the disclosure floor are suppressed.
Tinley Park, IL · Charter 62285
Q4 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 | Q3 2010 | Q1 2011 | Q2 2011 | Q3 2011 | Q4 2011 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -1.39% | -0.56% | -0.72% | -1.30% | -1.23% | +16 bps | |
| Return on Equity | -15.59% | -6.37% | -8.83% | -16.33% | -15.40% | +19 bps | |
| Net Interest Margin | 1.28% | 1.44% | 1.33% | 1.35% | 1.36% | +8 bps | |
| Efficiency Ratio | 202% | 137.93% | 152.71% | 180.54% | 177.85% | -2,391 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 3.15% | 8.73% | 17.84% | 9.73% | -4.05% | -720 bps | |
| Loan Growth (YoY) | -27.25% | -14.36% | -18.17% | -4.08% | -5.35% | +2,190 bps | |
| Share Growth (YoY) | 6.96% | 11.93% | 22.01% | 13.14% | -2.95% | -990 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.00% | 1.50% | 6.03% | 2.80% | 3.02% | +302 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 2.54% | 1.14% | 1.24% | 0.67% | 0.69% | -185 bps | |
| Capital | |||||||
| Risk-Based Capital | 8.91% | 8.79% | 8.21% | 7.97% | 8.00% | -91 bps | |
| Net Worth / Assets | 8.91% | 8.79% | 8.21% | 7.97% | 8.00% | -91 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 16.00% | 16.32% | 15.15% | 15.71% | 15.60% | -40 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |