Monmouth, IL · Charter 81679
Q3 2009
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2009, the quarter ended September 30, 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.
Monmouth, IL · Charter 81679
Q3 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 | Q3 2008 | Q4 2008 | Q1 2009 | Q2 2009 | Q3 2009 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.50% | 0.33% | 0.06% | 0.67% | -2.00% | -250 bps | |
| Return on Equity | 2.40% | 1.48% | 0.28% | 3.76% | -12.16% | -1,455 bps | |
| Net Interest Margin | 5.41% | 5.61% | 5.41% | 4.43% | 4.33% | -108 bps | |
| Efficiency Ratio | 91.99% | 94.79% | 98.90% | 87.38% | 153.11% | +6,112 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 4.27% | -0.94% | -5.93% | 15.46% | 15.40% | +1,113 bps | |
| Loan Growth (YoY) | -3.74% | 0.98% | 6.18% | -10.09% | -17.87% | -1,413 bps | |
| Share Growth (YoY) | 4.74% | -1.74% | -7.74% | 19.25% | 21.74% | +1,700 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 3.12% | 3.28% | 3.53% | 3.54% | 3.80% | +68 bps | |
| Capital | |||||||
| Risk-Based Capital | 20.79% | 22.09% | 21.70% | 17.91% | 16.45% | -433 bps | |
| Net Worth / Assets | 20.79% | 22.09% | 21.70% | 17.91% | 16.45% | -433 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 77.97% | 80.38% | 72.93% | 56.21% | 52.60% | -2,537 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |