Springfield, MO · Charter 63234
Q3 2012
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2012, the quarter ended September 30, 2012, 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.
Springfield, MO · Charter 63234
Q3 2012
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 2011 | Q4 2011 | Q1 2012 | Q2 2012 | Q3 2012 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -0.08% | -1.16% | 2.55% | 1.35% | -0.78% | -69 bps | |
| Return on Equity | -1.08% | -16.40% | 36.32% | 19.28% | -13.28% | -1,220 bps | |
| Net Interest Margin | 3.99% | 4.14% | 3.46% | 3.55% | 3.64% | -35 bps | |
| Efficiency Ratio | 107.33% | 124.08% | 64.14% | 75.31% | 106.00% | -133 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 4.87% | 1.70% | 5.64% | 4.13% | 4.56% | -31 bps | |
| Loan Growth (YoY) | -11.45% | -7.59% | -5.02% | -3.85% | -8.28% | +317 bps | |
| Share Growth (YoY) | 5.40% | 3.80% | 7.13% | 4.99% | 6.67% | +127 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 2.04% | 0.36% | 1.29% | 1.22% | 1.32% | -72 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.14% | 0.90% | 1.02% | 0.83% | 0.58% | -56 bps | |
| Capital | |||||||
| Risk-Based Capital | 7.78% | 7.06% | 7.03% | 7.00% | 5.86% | -192 bps | |
| Net Worth / Assets | 7.78% | 7.06% | 7.03% | 7.00% | 5.86% | -192 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 50.00% | 49.22% | 43.99% | 43.62% | 42.99% | -701 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |