Des Moines, IA · Charter 65204
Q3 2009
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2009, the quarter ended September 30, 2009, 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.
Des Moines, IA · Charter 65204
Q3 2009
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 2008 | Q4 2008 | Q1 2009 | Q2 2009 | Q3 2009 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -0.63% | -1.87% | -1.93% | 0.36% | 0.53% | +115 bps | |
| Return on Equity | -2.59% | -8.40% | -9.10% | 1.63% | 2.39% | +498 bps | |
| Net Interest Margin | 3.98% | 3.89% | 3.51% | 3.33% | 3.23% | -76 bps | |
| Efficiency Ratio | 97.25% | 104.09% | 83.86% | 70.95% | 73.18% | -2,407 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -4.43% | 2.45% | -6.45% | -2.14% | 4.97% | +940 bps | |
| Loan Growth (YoY) | -0.92% | -8.31% | -13.11% | -12.41% | -17.60% | -1,668 bps | |
| Share Growth (YoY) | -5.13% | 6.43% | -5.30% | -1.02% | 8.41% | +1,354 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 6.09% | 3.92% | 3.38% | 3.00% | 2.77% | -332 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.76% | 2.04% | 2.17% | 2.34% | 2.43% | +67 bps | |
| Capital | |||||||
| Risk-Based Capital | 24.21% | 22.27% | 21.16% | 21.98% | 22.08% | -213 bps | |
| Net Worth / Assets | 24.21% | 22.27% | 21.16% | 21.98% | 22.08% | -213 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 64.41% | 58.75% | 53.03% | 50.85% | 48.95% | -1,546 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |