Moline, IL · Charter 81414
Q1 2009
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2009, the quarter ended March 31, 2009, 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.
Moline, IL · Charter 81414
Q1 2009
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 2008 | Q2 2008 | Q3 2008 | Q4 2008 | Q1 2009 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.35% | 1.60% | 1.62% | 0.98% | 0.80% | -55 bps | |
| Return on Equity | 16.83% | 18.97% | 18.07% | 12.78% | 10.35% | -648 bps | |
| Net Interest Margin | 2.89% | 2.84% | 2.88% | 2.33% | 2.52% | -37 bps | |
| Efficiency Ratio | 62.97% | 59.14% | 59.58% | 65.68% | 65.90% | +293 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 12.47% | 16.17% | 14.97% | 15.04% | 16.83% | +435 bps | |
| Loan Growth (YoY) | 16.41% | 13.66% | 12.19% | 11.46% | 11.07% | -535 bps | |
| Share Growth (YoY) | 12.57% | 16.35% | 14.96% | 15.01% | 17.16% | +458 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.07% | 0.15% | 0.34% | 0.44% | 0.31% | +24 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.31% | 0.30% | 0.28% | 0.35% | 0.38% | +7 bps | |
| Capital | |||||||
| Risk-Based Capital | 8.04% | 8.45% | 8.98% | 7.66% | 7.76% | -28 bps | |
| Net Worth / Assets | 8.04% | 8.45% | 8.98% | 7.66% | 7.76% | -28 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 85.05% | 87.79% | 94.20% | 81.48% | 80.63% | -442 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |