Fargo, ND · Charter 73
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.
Fargo, ND · Charter 73
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 | -0.06% | 0.82% | 0.09% | 0.79% | -6.38% | -631 bps | |
| Return on Equity | -0.64% | 7.75% | 0.81% | 7.28% | -90.28% | -8,964 bps | |
| Net Interest Margin | 1.85% | 2.42% | 2.13% | 1.61% | -5.51% | -736 bps | |
| Efficiency Ratio | 94.74% | 62.08% | 87.82% | 51.23% | n/a | n/a | |
| Growth | |||||||
| Asset Growth (YoY) | -6.02% | -8.95% | -9.71% | -7.81% | -1.66% | +437 bps | |
| Loan Growth (YoY) | -23.60% | -10.83% | -3.02% | -22.66% | -24.70% | -110 bps | |
| Share Growth (YoY) | -6.59% | -9.76% | -10.33% | -8.61% | 1.44% | +803 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.06% | 0.05% | 0.17% | 0.00% | 0.00% | -6 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.11% | 1.06% | 1.12% | 1.29% | 1.49% | +39 bps | |
| Capital | |||||||
| Risk-Based Capital | 9.85% | 10.58% | 10.63% | 10.80% | 7.06% | -279 bps | |
| Net Worth / Assets | 9.85% | 10.58% | 10.63% | 10.80% | 7.06% | -279 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 54.45% | 61.04% | 59.25% | 50.22% | 40.42% | -1,403 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |