Ottumwa, IA · Charter 64395
Q3 2010
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2010, the quarter ended September 30, 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.
Ottumwa, IA · Charter 64395
Q3 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 | Q2 2009 | Q3 2009 | Q4 2009 | Q1 2010 | Q3 2010 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -0.46% | -0.84% | -1.10% | -1.32% | -2.46% | -201 bps | |
| Return on Equity | -3.43% | -6.24% | -8.54% | -11.56% | -13.15% | -973 bps | |
| Net Interest Margin | 4.00% | 4.14% | 4.06% | 3.10% | 5.57% | +157 bps | |
| Efficiency Ratio | 102.03% | 102.65% | 105.38% | 125.29% | 121.37% | +1,935 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -1.01% | -3.71% | 2.76% | 6.71% | -39.18% | -3,816 bps | |
| Loan Growth (YoY) | -6.84% | -0.68% | -5.17% | 4.78% | -30.92% | -2,408 bps | |
| Share Growth (YoY) | -0.85% | -3.70% | 4.58% | 8.71% | -43.01% | -4,217 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.09% | 2.30% | 0.00% | 0.00% | 0.00% | -9 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.30% | 0.79% | 0.37% | 0.44% | 0.39% | +8 bps | |
| Capital | |||||||
| Risk-Based Capital | 13.35% | 13.51% | 12.85% | 11.41% | 18.72% | +537 bps | |
| Net Worth / Assets | 13.35% | 13.51% | 12.85% | 11.41% | 18.72% | +537 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 61.90% | 66.41% | 61.72% | 55.56% | 75.04% | +1,314 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |