Clinton, IA · Charter 65107
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.
Clinton, IA · Charter 65107
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 | 1.02% | 1.41% | 0.83% | 1.42% | 1.15% | +13 bps | |
| Return on Equity | 3.97% | 5.90% | 3.61% | 6.19% | 4.65% | +68 bps | |
| Net Interest Margin | 4.03% | 4.21% | 4.11% | 4.30% | 4.59% | +56 bps | |
| Efficiency Ratio | 68.46% | 66.86% | 77.04% | 67.44% | 68.74% | +27 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 15.51% | 24.24% | 26.51% | 34.78% | 13.22% | -229 bps | |
| Loan Growth (YoY) | 35.48% | 22.31% | 10.29% | 1.36% | -0.26% | -3,574 bps | |
| Share Growth (YoY) | 19.85% | 31.39% | 34.65% | 45.84% | 14.59% | -527 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.32% | 0.27% | 0.48% | 0.00% | 0.00% | -32 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.05% | 0.87% | 0.82% | 0.37% | 0.54% | -51 bps | |
| Capital | |||||||
| Risk-Based Capital | 25.72% | 23.97% | 22.86% | 22.86% | 24.65% | -106 bps | |
| Net Worth / Assets | 25.72% | 23.97% | 22.86% | 22.86% | 24.65% | -106 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 125.58% | 108.16% | 106.54% | 95.05% | 109.30% | -1,627 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |