St. Agatha, ME · Charter 7834
Q1 2012
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2012, the quarter ended March 31, 2012, 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.
St. Agatha, ME · Charter 7834
Q1 2012
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 2011 | Q2 2011 | Q3 2011 | Q4 2011 | Q1 2012 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.89% | 0.74% | 0.88% | 0.83% | -0.09% | -98 bps | |
| Return on Equity | 11.07% | 8.95% | 10.11% | 9.30% | -1.03% | -1,209 bps | |
| Net Interest Margin | 3.46% | 3.52% | 3.58% | 3.56% | 3.27% | -18 bps | |
| Efficiency Ratio | 94.42% | 89.99% | 86.14% | 86.01% | 121.96% | +2,754 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 2.45% | 1.46% | 0.87% | -3.73% | -1.63% | -408 bps | |
| Loan Growth (YoY) | 8.72% | 10.79% | 9.33% | 0.01% | -2.84% | -1,156 bps | |
| Share Growth (YoY) | 3.01% | 3.54% | 0.10% | -4.97% | -2.25% | -526 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 1.31% | 0.53% | 0.50% | 0.75% | 0.78% | -53 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.17% | 1.15% | 1.07% | 0.95% | 0.66% | -51 bps | |
| Capital | |||||||
| Risk-Based Capital | 8.00% | 8.29% | 8.73% | 8.94% | 8.70% | +70 bps | |
| Net Worth / Assets | 8.00% | 8.29% | 8.73% | 8.94% | 8.70% | +70 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 64.64% | 67.24% | 67.32% | 67.94% | 64.25% | -38 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |