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Net income through the third quarter is $159.7k; several times the net income reported for all of 2011. Compared to this time last year, loan income is $47.6k higher, fee income is $17.6k higher, PLLL expense is $130k lower, and the cost of funds is $20.3k lower. Areas of reduced profitability include investment income (down $35.5k), employee compensation (up $17.6k), and total other operating expenses (up $10.1k). The significant savings in PLLL expense have resulted from a sharp decline in delinquency and charge-offs under the direction of the new manager. However, delinquency jumped from 1.75% to 2.84% during the third quarter. This marks the first increase in delinquency under new management. The volume of delinquent loans increased by $56k over the past quarter, with 2-6 month delinquency increasing $66k and 6-12 month delinquency actually decreasing $10k. The CU reports no loans delinquent greater than 6 months at this time. Over the past year, charge-offs have declined from 7.98% to 2.30%. Despite strong earnings (ROA = 1.31%), the net worth ratio has only increased slightly 29 basis points) during the first half of the year, as assets have grown at 8% (annualized). The ALLL is more than sufficiently funded at $269k with total reportable delinquency at $144k. This CU will likely always have higher-than-peer delinquency and charge-offs due to the FOM; however, significant improvements have been made under the new manager. The yield on average loans remains high at 13.05%. Their loan yield is always high, because the vast majority of the loans are unsecured; however, the yield has increased over the past year and a half as delinquency has trended down. The CU maintains sufficient liquidity at 38%. They are only 36% loaned out, as investments make up the majority of their assets.
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