Wells, ME · Charter 998
Q3 2012
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2012, the quarter ended September 30, 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.
Wells, ME · Charter 998
Q3 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 | Q3 2011 | Q4 2011 | Q1 2012 | Q2 2012 | Q3 2012 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -0.43% | -0.95% | -0.27% | -0.42% | -0.41% | +2 bps | |
| Return on Equity | -1.70% | -3.62% | -1.08% | -1.69% | -1.62% | +7 bps | |
| Net Interest Margin | 3.01% | 3.18% | 2.75% | 2.80% | 2.71% | -29 bps | |
| Efficiency Ratio | 107.87% | 117.75% | 103.64% | 106.84% | 107.46% | -41 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -0.16% | -8.90% | -0.06% | -2.63% | -3.14% | -298 bps | |
| Loan Growth (YoY) | -16.98% | -15.95% | -9.74% | -14.88% | -16.80% | +18 bps | |
| Share Growth (YoY) | 1.19% | -14.98% | -1.19% | -2.65% | -2.94% | -413 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.97% | 0.06% | 1.28% | 1.80% | 1.80% | +82 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.15% | 0.82% | 0.93% | 0.81% | 0.80% | -34 bps | |
| Capital | |||||||
| Risk-Based Capital | 25.09% | 26.11% | 24.65% | 24.86% | 25.01% | -8 bps | |
| Net Worth / Assets | 25.09% | 26.11% | 24.65% | 24.86% | 25.01% | -8 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 42.78% | 46.31% | 41.13% | 39.01% | 36.67% | -611 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |