Newton, IA · Charter 65241
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.
Newton, IA · Charter 65241
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 | -0.74% | 0.03% | -1.62% | -1.78% | -1.82% | -109 bps | |
| Return on Equity | -1.42% | 0.06% | -3.15% | -3.52% | -3.65% | -223 bps | |
| Net Interest Margin | 3.09% | 2.51% | 2.48% | 2.29% | 2.07% | -102 bps | |
| Efficiency Ratio | 121.51% | 98.83% | 162.10% | 177.92% | 187.73% | +6,622 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -2.11% | -5.89% | -8.59% | -5.41% | -0.23% | +187 bps | |
| Loan Growth (YoY) | -37.50% | -25.96% | 22.31% | 5.65% | 21.38% | +5,888 bps | |
| Share Growth (YoY) | -2.56% | -11.19% | -13.85% | -6.83% | 4.08% | +664 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.00% | 0.56% | 5.10% | 6.27% | 6.01% | +601 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 23.63% | 21.66% | 14.81% | 18.76% | 19.03% | -460 bps | |
| Capital | |||||||
| Risk-Based Capital | 52.02% | 52.62% | 51.58% | 50.64% | 50.01% | -201 bps | |
| Net Worth / Assets | 52.02% | 52.62% | 51.58% | 50.64% | 50.01% | -201 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 50.45% | 56.31% | 79.03% | 60.61% | 58.83% | +838 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |