Clinton, IA · Charter 65106
Q4 2011
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2011, the quarter ended December 31, 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.
Clinton, IA · Charter 65106
Q4 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 | Q3 2010 | Q1 2011 | Q2 2011 | Q3 2011 | Q4 2011 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.43% | 2.16% | 1.92% | 1.48% | -5.26% | -670 bps | |
| Return on Equity | 14.39% | 20.36% | 20.12% | 11.97% | -67.54% | -8,193 bps | |
| Net Interest Margin | 4.58% | 4.94% | 4.41% | 4.39% | 5.56% | +98 bps | |
| Efficiency Ratio | 51.34% | 50.81% | 51.30% | 61.83% | 55.70% | +436 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 28.43% | 22.32% | 36.17% | 78.95% | 45.58% | +1,714 bps | |
| Loan Growth (YoY) | 35.57% | 30.62% | 58.38% | 139.55% | 57.04% | +2,148 bps | |
| Share Growth (YoY) | 30.33% | 22.63% | 36.98% | 73.67% | 49.45% | +1,912 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.47% | 0.97% | 0.00% | 1.25% | 4.32% | +385 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 2.28% | 2.61% | 1.99% | 1.51% | 6.44% | +416 bps | |
| Capital | |||||||
| Risk-Based Capital | 9.96% | 10.60% | 9.55% | 12.36% | 7.79% | -217 bps | |
| Net Worth / Assets | 9.96% | 10.60% | 9.55% | 12.36% | 7.79% | -217 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 98.36% | 101.06% | 104.70% | 111.84% | 103.36% | +500 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |