Swansea, IL · Charter 65742
Q4 2013
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2013, the quarter ended December 31, 2013, 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.
Swansea, IL · Charter 65742
Q4 2013
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 2012 | Q1 2013 | Q2 2013 | Q3 2013 | Q4 2013 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -0.83% | -2.21% | -1.39% | -0.82% | -1.03% | -20 bps | |
| Return on Equity | -11.35% | -33.07% | -21.81% | -11.95% | -15.64% | -429 bps | |
| Net Interest Margin | 4.41% | 4.25% | 3.95% | 4.12% | 4.09% | -32 bps | |
| Efficiency Ratio | 88.83% | 81.24% | 83.77% | 85.68% | 89.23% | +39 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 3.29% | -3.76% | -5.54% | -5.68% | -3.80% | -708 bps | |
| Loan Growth (YoY) | 7.76% | -4.31% | -6.29% | -14.22% | -17.92% | -2,567 bps | |
| Share Growth (YoY) | 4.50% | -2.24% | -4.30% | -4.91% | -2.86% | -735 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 3.29% | 2.81% | 4.17% | 2.34% | 4.10% | +82 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.85% | 2.59% | 2.53% | 1.49% | 1.84% | -2 bps | |
| Capital | |||||||
| Risk-Based Capital | 7.34% | 6.68% | 6.38% | 6.89% | 6.60% | -74 bps | |
| Net Worth / Assets | 7.34% | 6.68% | 6.38% | 6.89% | 6.60% | -74 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 69.55% | 63.79% | 62.03% | 62.17% | 58.77% | -1,078 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |