PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Water Company Employees

Collinsville, IL · Charter 63460

Q3 2012

$186KAssets
$121KLoans
$108KShares
$78KNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of -10.83%, down 1,104 bps year over year; NIM at 6.48%.
  • Asset quality: problem loans at 12.36% of loans (+1,236 bps YoY).
  • Capital: net worth / assets of 41.85%, down 191 bps from a year ago.
  • Funding: loans stand at 111.87% of shares as of Q3 2012.

Financial Results

Return on Assets (quarter, annualized)

-10.83%-1,104 bps YoY

Net Interest Margin (quarter, annualized)

6.48%+72 bps YoY

Efficiency Ratio (quarter, annualized)

142.92%+4,672 bps YoY

Net Worth / Assets

41.85%-191 bps YoY

Discrete quarter, annualized.

MetricQ3 2011Q4 2011Q1 2012Q2 2012Q3 2012YoY ΔTrend
Earnings
Return on Assets0.22%0.26%-0.42%-1.61%-10.83%-1,104 bps
Return on Equity0.50%0.61%-0.92%-3.64%-25.87%-2,637 bps
Net Interest Margin5.76%6.04%4.81%3.84%6.48%+72 bps
Efficiency Ratio96.20%95.62%108.78%141.88%142.92%+4,672 bps
Growth
Asset Growth (YoY)-3.96%-6.11%-6.59%-9.78%-16.44%-1,249 bps
Loan Growth (YoY)-6.53%-2.87%5.93%7.66%-17.55%-1,101 bps
Share Growth (YoY)-6.46%-9.76%-10.94%-14.87%-13.60%-714 bps
Asset Quality
Delinquent Loans / Loans0.00%0.00%0.00%0.00%12.36%+1,236 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans1.18%1.10%1.19%1.25%10.71%+953 bps
Capital
Risk-Based Capital43.76%43.46%45.75%44.14%41.85%-191 bps
Net Worth / Assets43.76%43.46%45.75%44.14%41.85%-191 bps
Liquidity & Funding
Loans / Shares117.23%123.70%127.06%115.45%111.87%-536 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps