Tipp City, OH · Charter 8343
Q4 2011
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2011, the quarter ended December 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.
Tipp City, OH · Charter 8343
Q4 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 2010 | Q1 2011 | Q2 2011 | Q3 2011 | Q4 2011 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.12% | -0.20% | -0.24% | -0.66% | -0.49% | -61 bps | |
| Return on Equity | 1.05% | -1.83% | -2.13% | -5.89% | -4.42% | -546 bps | |
| Net Interest Margin | 2.48% | 2.35% | 2.34% | 2.35% | 1.76% | -72 bps | |
| Efficiency Ratio | 101.14% | 102.46% | 103.73% | 119.20% | 119.18% | +1,805 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 1.60% | -3.36% | -3.93% | -3.60% | -3.86% | -546 bps | |
| Loan Growth (YoY) | -15.33% | -13.30% | -7.89% | 4.03% | 3.01% | +1,834 bps | |
| Share Growth (YoY) | 2.02% | -2.76% | -4.67% | -3.95% | -3.52% | -553 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.67% | 0.89% | 1.30% | 1.03% | 1.03% | +36 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.75% | 1.40% | 1.32% | 1.43% | 1.43% | -32 bps | |
| Capital | |||||||
| Risk-Based Capital | 11.46% | 11.11% | 11.27% | 11.16% | 11.16% | -30 bps | |
| Net Worth / Assets | 11.46% | 11.11% | 11.27% | 11.16% | 11.16% | -30 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 39.90% | 39.73% | 40.55% | 42.60% | 42.60% | +270 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |