Flossmoor, IL · Charter 68245
Q1 2011
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2011, the quarter ended March 31, 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.
Flossmoor, IL · Charter 68245
Q1 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 | Q3 2009 | Q4 2009 | Q1 2010 | Q3 2010 | Q1 2011 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -1.26% | -3.48% | -3.44% | -1.34% | -5.72% | -446 bps | |
| Return on Equity | -10.86% | -39.30% | -44.37% | -17.65% | -101.02% | -9,017 bps | |
| Net Interest Margin | 4.19% | 4.17% | 4.07% | 3.92% | 3.82% | -37 bps | |
| Efficiency Ratio | 85.05% | 96.72% | 90.05% | 92.15% | 98.81% | +1,376 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 5.49% | 2.55% | 1.62% | -1.73% | 4.16% | -132 bps | |
| Loan Growth (YoY) | -2.73% | -1.35% | -4.32% | -11.95% | -14.97% | -1,223 bps | |
| Share Growth (YoY) | 7.30% | 6.71% | 6.08% | 2.37% | 11.44% | +414 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 4.18% | 5.37% | 5.15% | 4.43% | 3.01% | -117 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.90% | 4.41% | 4.68% | 2.35% | 4.28% | +239 bps | |
| Capital | |||||||
| Risk-Based Capital | 11.58% | 8.86% | 7.76% | 7.57% | 5.66% | -592 bps | |
| Net Worth / Assets | 11.58% | 8.86% | 7.76% | 7.57% | 5.66% | -592 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 90.12% | 85.88% | 78.28% | 72.43% | 68.77% | -2,136 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |