Abilene, TX · Charter 67411
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.
Abilene, TX · Charter 67411
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 | -2.86% | -1.60% | -0.67% | -0.24% | -1.91% | +95 bps | |
| Return on Equity | -36.76% | -22.40% | -9.85% | -3.38% | -28.30% | +846 bps | |
| Net Interest Margin | 3.37% | 3.17% | 3.14% | 3.38% | 3.74% | +38 bps | |
| Efficiency Ratio | 166.58% | 126.59% | 94.46% | 87.15% | 102.86% | -6,372 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 8.74% | 11.25% | 7.54% | 2.89% | -11.29% | -2,003 bps | |
| Loan Growth (YoY) | -2.69% | -5.98% | -6.86% | -13.26% | -20.75% | -1,806 bps | |
| Share Growth (YoY) | 10.24% | 14.08% | 10.38% | 5.40% | -10.43% | -2,068 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.98% | 0.37% | 0.55% | 0.94% | 3.27% | +229 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.61% | 0.62% | 0.93% | 1.16% | 2.78% | +217 bps | |
| Capital | |||||||
| Risk-Based Capital | 7.77% | 7.15% | 6.80% | 6.98% | 6.75% | -102 bps | |
| Net Worth / Assets | 7.77% | 7.15% | 6.80% | 6.98% | 6.75% | -102 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 52.40% | 49.29% | 48.60% | 45.59% | 46.36% | -604 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |