Simsbury, CT · Charter 65911
Q4 2011
Board Package
Performance Trends and Peer Comparison
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.
No peer standings are published for this institution and quarter.
Peer groups below the disclosure floor are suppressed.
Simsbury, CT · Charter 65911
Q4 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 | Q3 2010 | Q1 2011 | Q2 2011 | Q3 2011 | Q4 2011 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -3.02% | -2.66% | -2.39% | -2.24% | -3.07% | -5 bps | |
| Return on Equity | -29.08% | -25.78% | -26.18% | -27.72% | -34.32% | -524 bps | |
| Net Interest Margin | 4.51% | 5.43% | 4.64% | 4.53% | 5.99% | +148 bps | |
| Efficiency Ratio | 152.73% | 143.61% | 145.00% | 141.72% | 142.54% | -1,019 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -14.15% | -20.79% | -4.11% | -0.24% | -20.66% | -651 bps | |
| Loan Growth (YoY) | 0.35% | -5.83% | -5.37% | 14.12% | -0.91% | -126 bps | |
| Share Growth (YoY) | -11.17% | -18.78% | 2.05% | 5.47% | -20.77% | -961 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 5.60% | 3.68% | 3.82% | 6.39% | 5.12% | -48 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.45% | 0.66% | 0.39% | 0.34% | 0.32% | -113 bps | |
| Capital | |||||||
| Risk-Based Capital | 10.38% | 10.31% | 9.15% | 8.08% | 8.94% | -144 bps | |
| Net Worth / Assets | 10.38% | 10.31% | 9.15% | 8.08% | 8.94% | -144 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 49.45% | 49.16% | 45.62% | 49.93% | 61.85% | +1,240 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |