Lansing, NC · Charter 63525
Q3 2013
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2013, the quarter ended September 30, 2013, 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.
Lansing, NC · Charter 63525
Q3 2013
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 2012 | Q4 2012 | Q1 2013 | Q2 2013 | Q3 2013 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -0.31% | -0.72% | 0.41% | 0.02% | -0.32% | -1 bps | |
| Return on Equity | -3.65% | -7.94% | 4.00% | 0.23% | -2.86% | +79 bps | |
| Net Interest Margin | 1.79% | 1.92% | 1.98% | 1.72% | 1.67% | -12 bps | |
| Efficiency Ratio | 92.83% | 97.01% | 80.76% | 98.65% | 118.16% | +2,533 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -5.32% | -12.69% | -23.31% | -25.84% | -29.16% | -2,385 bps | |
| Loan Growth (YoY) | -24.38% | -33.77% | -43.79% | -50.95% | -54.37% | -2,999 bps | |
| Share Growth (YoY) | -5.48% | -13.19% | -25.02% | -27.72% | -31.34% | -2,585 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 8.17% | 9.09% | 7.38% | 22.47% | 25.77% | +1,760 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.70% | 6.55% | 8.60% | 11.13% | 10.84% | +914 bps | |
| Capital | |||||||
| Risk-Based Capital | 8.52% | 9.01% | 10.29% | 10.53% | 11.28% | +276 bps | |
| Net Worth / Assets | 8.52% | 9.01% | 10.29% | 10.53% | 11.28% | +276 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 10.42% | 9.98% | 8.71% | 7.04% | 6.93% | -350 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |