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Rockford Newspapers

Rockford, IL · Charter 65554

Q4 2011

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, not published for this institution and quartern/a

Basis

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.

Peer group

No peer standings are published for this institution and quarter.

Peer groups below the disclosure floor are suppressed.

Source: NCUA 5300 Call Report, as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Rockford Newspapers

Rockford, IL · Charter 65554

Q4 2011

$354KAssets
$150KLoans
$308KShares
$44KNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of -1.68%, down 119 bps year over year; NIM at 4.36%.
  • Asset quality: problem loans at 4.94% of loans (-513 bps YoY).
  • Capital: net worth / assets of 12.46%, up 127 bps from a year ago.
  • Funding: loans stand at 48.75% of shares as of Q4 2011.

Financial Results

Return on Assets (YTD, annualized)

-1.68%-119 bps YoY

Net Interest Margin (YTD, annualized)

4.36%+31 bps YoY

Efficiency Ratio (YTD, annualized)

119.86%+1,217 bps YoY

Net Worth / Assets

12.46%+127 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2010Q1 2011Q2 2011Q3 2011Q4 2011YoY ΔTrend
Earnings
Return on Assets-0.49%-3.06%-1.74%-1.45%-1.68%-119 bps
Return on Equity-4.39%-27.76%-14.86%-12.19%-13.51%-912 bps
Net Interest Margin4.05%4.13%4.25%4.17%4.36%+31 bps
Efficiency Ratio107.69%110.79%108.05%111.46%119.86%+1,217 bps
Growth
Asset Growth (YoY)2.41%-8.34%-13.58%-18.65%-23.07%-2,549 bps
Loan Growth (YoY)-13.94%-30.07%-36.70%-46.14%-45.47%-3,152 bps
Share Growth (YoY)3.13%-7.66%-13.97%-19.34%-24.19%-2,732 bps
Asset Quality
Delinquent Loans / Loans10.07%5.13%4.76%10.84%4.94%-513 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.95%2.44%2.84%3.20%3.57%+262 bps
Capital
Risk-Based Capital11.19%11.01%11.74%11.90%12.46%+127 bps
Net Worth / Assets11.19%11.01%11.74%11.90%12.46%+127 bps
Liquidity & Funding
Loans / Shares67.76%58.37%54.20%49.61%48.75%-1,902 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps