PackageTrendsPeer
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Caseyville Township Community

Fairview Hts., IL · Charter 65766

Q1 2013

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: Q1 2013, the quarter ended March 31, 2013, 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

Caseyville Township Community

Fairview Hts., IL · Charter 65766

Q1 2013

$497KAssets
$162KLoans
$423KShares
$74KNet 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 -0.67%, down 71 bps year over year; NIM at 3.10%.
  • Asset quality: problem loans at 22.43% of loans (+1,547 bps YoY).
  • Capital: net worth / assets of 14.99%, up 146 bps from a year ago.
  • Funding: loans stand at 38.25% of shares as of Q1 2013.

Financial Results

Return on Assets (YTD, annualized)

-0.67%-71 bps YoY

Net Interest Margin (YTD, annualized)

3.10%-57 bps YoY

Efficiency Ratio (YTD, annualized)

121.54%+2,273 bps YoY

Net Worth / Assets

14.99%+146 bps YoY

Year to date, annualized, through each quarter.

MetricQ1 2012Q2 2012Q3 2012Q4 2012Q1 2013YoY ΔTrend
Earnings
Return on Assets0.04%-0.04%-0.06%-0.06%-0.67%-71 bps
Return on Equity0.32%-0.26%-0.43%-0.44%-4.46%-478 bps
Net Interest Margin3.67%3.50%3.46%3.42%3.10%-57 bps
Efficiency Ratio98.81%101.04%101.72%101.86%121.54%+2,273 bps
Growth
Asset Growth (YoY)-11.38%-13.03%-5.08%-5.81%-10.69%+68 bps
Loan Growth (YoY)-30.77%-22.00%-17.56%-19.45%-23.59%+717 bps
Share Growth (YoY)-12.74%-14.51%-5.85%-6.59%-12.20%+54 bps
Asset Quality
Delinquent Loans / Loans6.97%1.53%1.33%11.42%22.43%+1,547 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans9.66%10.10%10.55%11.02%12.18%+252 bps
Capital
Risk-Based Capital13.52%13.86%13.93%14.26%14.99%+146 bps
Net Worth / Assets13.52%13.86%13.93%14.26%14.99%+146 bps
Liquidity & Funding
Loans / Shares43.95%43.30%41.83%41.15%38.25%-570 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps