Alton, IL · Charter 65933
Q1 2012
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2012, the quarter ended March 31, 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.
Alton, IL · Charter 65933
Q1 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 | Q1 2011 | Q2 2011 | Q3 2011 | Q4 2011 | Q1 2012 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -0.49% | -0.07% | -0.04% | -0.11% | -1.99% | -150 bps | |
| Return on Equity | -12.09% | -1.51% | -1.09% | -1.68% | -36.88% | -2,479 bps | |
| Net Interest Margin | 1.63% | 1.79% | 1.35% | 2.29% | 0.73% | -90 bps | |
| Efficiency Ratio | 129.19% | 103.91% | 103.04% | 104.76% | 205% | +7,534 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 58.21% | 33.39% | 36.69% | -27.25% | -31.96% | -9,018 bps | |
| Loan Growth (YoY) | -14.20% | -15.53% | -8.67% | -13.11% | -23.62% | -942 bps | |
| Share Growth (YoY) | 63.39% | 36.49% | 39.35% | -28.46% | -32.91% | -9,630 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 6.47% | 7.08% | 12.30% | 11.65% | 7.95% | +148 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 3.59% | 3.75% | 3.86% | 4.15% | 6.43% | +285 bps | |
| Capital | |||||||
| Risk-Based Capital | 4.05% | 4.62% | 3.80% | 6.51% | 5.39% | +134 bps | |
| Net Worth / Assets | 4.05% | 4.62% | 3.80% | 6.51% | 5.39% | +134 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 16.35% | 17.85% | 13.92% | 22.63% | 18.61% | +226 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |