Lima, OH · Charter 96802
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.
Lima, OH · Charter 96802
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 | -1.59% | -1.66% | -1.69% | -1.77% | -1.69% | -10 bps | |
| Return on Equity | -18.39% | -19.78% | -21.37% | -22.55% | -23.83% | -544 bps | |
| Net Interest Margin | 2.88% | 2.83% | 2.76% | 2.87% | 2.55% | -33 bps | |
| Efficiency Ratio | 139.73% | 141.10% | 141.67% | 141.37% | 142.06% | +233 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -4.12% | -3.63% | -0.47% | -2.91% | -1.62% | +250 bps | |
| Loan Growth (YoY) | -26.33% | -26.20% | -20.42% | -16.12% | -14.57% | +1,176 bps | |
| Share Growth (YoY) | -1.55% | -1.72% | 1.82% | -0.84% | 0.19% | +175 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.33% | 0.11% | 0.00% | 0.02% | 0.03% | -30 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.32% | 1.11% | 1.10% | 1.18% | 1.30% | -2 bps | |
| Capital | |||||||
| Risk-Based Capital | 8.65% | 8.39% | 7.89% | 7.85% | 7.09% | -157 bps | |
| Net Worth / Assets | 8.65% | 8.39% | 7.89% | 7.85% | 7.09% | -157 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 45.60% | 44.28% | 43.79% | 45.24% | 38.88% | -672 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |