Janesville, WI · Charter 66507
Q2 2011
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2011, the quarter ended June 30, 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.
Janesville, WI · Charter 66507
Q2 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 | Q4 2009 | Q1 2010 | Q3 2010 | Q1 2011 | Q2 2011 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -0.40% | -0.06% | -0.50% | -0.37% | -4.04% | -365 bps | |
| Return on Equity | -1.39% | -0.20% | -1.81% | -1.37% | -16.07% | -1,467 bps | |
| Net Interest Margin | 4.87% | 4.54% | 4.47% | 3.90% | 4.06% | -81 bps | |
| Efficiency Ratio | 96.14% | 101.10% | 107.50% | 108.03% | 149.85% | +5,371 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -4.48% | -6.51% | -4.20% | 1.19% | 2.43% | +692 bps | |
| Loan Growth (YoY) | -12.70% | -10.65% | -2.78% | -9.04% | -4.06% | +865 bps | |
| Share Growth (YoY) | -6.53% | -7.38% | -4.72% | 3.99% | 8.69% | +1,522 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 2.11% | 2.15% | 2.06% | 2.19% | 1.57% | -54 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.89% | 0.92% | 0.88% | 0.94% | 0.23% | -66 bps | |
| Capital | |||||||
| Risk-Based Capital | 28.63% | 28.97% | 27.83% | 26.79% | 25.18% | -345 bps | |
| Net Worth / Assets | 28.63% | 28.97% | 27.83% | 26.79% | 25.18% | -345 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 102.53% | 100.23% | 100.33% | 91.54% | 90.50% | -1,202 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |