Janesville, WI · Charter 66560
Q3 2011
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2011, the quarter ended September 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 66560
Q3 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 | Q1 2010 | Q3 2010 | Q1 2011 | Q2 2011 | Q3 2011 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -0.31% | -0.59% | -0.77% | -0.78% | -0.86% | -55 bps | |
| Return on Equity | -2.31% | -4.72% | -6.31% | -6.81% | -7.84% | -553 bps | |
| Net Interest Margin | 3.50% | 3.31% | 2.85% | 2.68% | 2.57% | -93 bps | |
| Efficiency Ratio | 106.72% | 106.62% | 123.04% | 123.80% | 126.78% | +2,007 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 3.21% | -3.16% | -0.93% | 13.10% | 12.30% | +909 bps | |
| Loan Growth (YoY) | -6.09% | -18.53% | -26.64% | -23.45% | -8.73% | -263 bps | |
| Share Growth (YoY) | 2.26% | -4.19% | -1.27% | 16.29% | 16.18% | +1,392 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 1.30% | 1.21% | 0.86% | 1.59% | 1.30% | 0 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.64% | 0.68% | 0.48% | 0.41% | 0.34% | -30 bps | |
| Capital | |||||||
| Risk-Based Capital | 13.57% | 12.51% | 12.27% | 11.50% | 10.99% | -258 bps | |
| Net Worth / Assets | 13.57% | 12.51% | 12.27% | 11.50% | 10.99% | -258 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 45.24% | 38.30% | 33.26% | 33.27% | 35.54% | -970 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |