Racine, WI · Charter 67198
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.
Racine, WI · Charter 67198
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 | -0.98% | -1.21% | 0.23% | 0.37% | 0.30% | +128 bps | |
| Return on Equity | -7.18% | -9.27% | 1.97% | 2.97% | 2.47% | +965 bps | |
| Net Interest Margin | 4.66% | 4.63% | 3.89% | 4.21% | 4.22% | -44 bps | |
| Efficiency Ratio | 101.03% | 100.82% | 100.63% | 91.68% | 91.61% | -942 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 1.97% | 1.98% | 6.92% | 2.72% | 3.58% | +161 bps | |
| Loan Growth (YoY) | -11.00% | -5.13% | 1.27% | 9.19% | 19.96% | +3,096 bps | |
| Share Growth (YoY) | 5.72% | 4.02% | 9.71% | 4.77% | 3.35% | -238 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 1.95% | 2.05% | 1.64% | 1.18% | 1.07% | -88 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.56% | 1.33% | 1.73% | 1.77% | 1.61% | +5 bps | |
| Capital | |||||||
| Risk-Based Capital | 13.70% | 13.00% | 11.91% | 12.35% | 12.10% | -161 bps | |
| Net Worth / Assets | 13.70% | 13.00% | 11.91% | 12.35% | 12.10% | -161 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 79.43% | 82.32% | 83.54% | 89.60% | 92.20% | +1,277 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |