Springfield, OH · Charter 96781
Q1 2013
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2013, the quarter ended March 31, 2013, 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.
Springfield, OH · Charter 96781
Q1 2013
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 2012 | Q2 2012 | Q3 2012 | Q4 2012 | Q1 2013 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -0.28% | -0.39% | -0.39% | -1.70% | -9.57% | -929 bps | |
| Return on Equity | -1.74% | -2.56% | -2.54% | -11.42% | -80.14% | -7,840 bps | |
| Net Interest Margin | 3.04% | 2.81% | 2.87% | 3.01% | 2.71% | -32 bps | |
| Efficiency Ratio | 107.15% | 110.60% | 108.78% | 140.99% | 377% | +26,968 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 4.70% | 8.41% | 5.40% | 1.17% | 1.00% | -370 bps | |
| Loan Growth (YoY) | -10.52% | -6.94% | -5.99% | -7.69% | -9.89% | +63 bps | |
| Share Growth (YoY) | 5.88% | 10.46% | 6.86% | 2.68% | 6.25% | +37 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.09% | 0.17% | 0.52% | 0.40% | 0.09% | 0 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.49% | 0.26% | 0.44% | 0.40% | 0.00% | -49 bps | |
| Capital | |||||||
| Risk-Based Capital | 16.06% | 15.10% | 15.45% | 14.86% | 11.94% | -412 bps | |
| Net Worth / Assets | 16.06% | 15.10% | 15.45% | 14.86% | 11.94% | -412 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 36.82% | 34.37% | 35.02% | 35.79% | 31.23% | -559 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |