Cedar Rapids, IA · Charter 64391
Q1 2010
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2010, the quarter ended March 31, 2010, 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.
Cedar Rapids, IA · Charter 64391
Q1 2010
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 2009 | Q2 2009 | Q3 2009 | Q4 2009 | Q1 2010 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -2.32% | 0.03% | 0.12% | 0.36% | 0.58% | +290 bps | |
| Return on Equity | -27.67% | 0.34% | 1.27% | 3.98% | 6.63% | +3,430 bps | |
| Net Interest Margin | 3.36% | 3.37% | 3.69% | 3.80% | 4.29% | +93 bps | |
| Efficiency Ratio | 90.63% | 73.21% | 76.30% | 76.41% | 76.74% | -1,389 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 12.10% | 17.98% | 10.47% | 11.49% | 8.20% | -390 bps | |
| Loan Growth (YoY) | 8.70% | 8.13% | 11.18% | 10.49% | 9.26% | +56 bps | |
| Share Growth (YoY) | 8.55% | 13.90% | 13.17% | 18.50% | 12.63% | +408 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 1.07% | 0.46% | 0.57% | 0.71% | 0.70% | -36 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.53% | 0.66% | 0.60% | 0.62% | 0.79% | +26 bps | |
| Capital | |||||||
| Risk-Based Capital | 8.39% | 8.71% | 9.12% | 9.10% | 8.78% | +39 bps | |
| Net Worth / Assets | 8.39% | 8.71% | 9.12% | 9.10% | 8.78% | +39 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 107.70% | 106.07% | 117.08% | 111.45% | 104.48% | -322 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |