Sibley, IA · Charter 64963
Q2 2011
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2011, the quarter ended June 30, 2011, 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.
Sibley, IA · Charter 64963
Q2 2011
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 | Q4 2009 | Q1 2010 | Q3 2010 | Q1 2011 | Q2 2011 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -0.07% | 0.98% | 0.62% | 1.02% | -1.54% | -147 bps | |
| Return on Equity | -0.64% | 8.81% | 4.86% | 8.13% | -13.25% | -1,260 bps | |
| Net Interest Margin | 1.91% | 2.24% | 2.09% | 1.76% | 1.44% | -47 bps | |
| Efficiency Ratio | 52.73% | 56.43% | 70.77% | 43.41% | 58.79% | +605 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 3.96% | 7.33% | -10.85% | -12.04% | -10.47% | -1,443 bps | |
| Loan Growth (YoY) | -15.23% | -22.90% | -24.94% | -34.62% | -44.47% | -2,923 bps | |
| Share Growth (YoY) | 4.55% | 7.43% | -12.61% | -13.75% | -11.03% | -1,558 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 6.73% | 3.69% | 8.99% | 11.57% | 0.00% | -673 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 2.39% | 2.77% | 2.91% | 5.29% | 0.17% | -222 bps | |
| Capital | |||||||
| Risk-Based Capital | 11.13% | 11.10% | 12.71% | 12.51% | 11.66% | +53 bps | |
| Net Worth / Assets | 11.13% | 11.10% | 12.71% | 12.51% | 11.66% | +53 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 43.22% | 36.42% | 39.94% | 33.20% | 26.98% | -1,624 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |