Quincy, IL · Charter 65462
Q2 2012
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2012, the quarter ended June 30, 2012, 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.
Quincy, IL · Charter 65462
Q2 2012
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 | Q2 2011 | Q3 2011 | Q4 2011 | Q1 2012 | Q2 2012 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.33% | -0.08% | -0.29% | 0.33% | -0.05% | -38 bps | |
| Return on Equity | 5.09% | -1.23% | -4.34% | 5.26% | -0.73% | -582 bps | |
| Net Interest Margin | 3.81% | 3.96% | 4.30% | 3.70% | 4.08% | +27 bps | |
| Efficiency Ratio | 90.04% | 99.60% | 98.26% | 89.06% | 99.75% | +971 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 2.09% | -6.20% | -5.38% | -3.46% | -10.53% | -1,262 bps | |
| Loan Growth (YoY) | -7.04% | -3.05% | -6.93% | -6.38% | -8.13% | -109 bps | |
| Share Growth (YoY) | 2.70% | -5.89% | -5.03% | -3.53% | -10.82% | -1,353 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.73% | 3.34% | 3.48% | 3.50% | 3.44% | +270 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.77% | 0.84% | 1.34% | 1.17% | 1.11% | +34 bps | |
| Capital | |||||||
| Risk-Based Capital | 6.45% | 6.39% | 6.66% | 6.32% | 6.71% | +26 bps | |
| Net Worth / Assets | 6.45% | 6.39% | 6.66% | 6.32% | 6.71% | +26 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 53.60% | 55.45% | 59.82% | 52.76% | 55.22% | +162 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |