PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

B H D

Chicago Heights, IL · Charter 13010

Q1 2003

$90KAssets
$16KLoans
$74KShares
$16KNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of 0.10%, down 54 bps year over year; NIM at 3.46%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY).
  • Capital: net worth / assets of 17.61%, up 153 bps from a year ago.
  • Funding: loans stand at 21.32% of shares as of Q1 2003.

Financial Results

Return on Assets (quarter, annualized)

0.10%-54 bps YoY

Net Interest Margin (quarter, annualized)

3.46%-42 bps YoY

Efficiency Ratio (quarter, annualized)

97.05%+1,353 bps YoY

Net Worth / Assets

17.61%+153 bps YoY

Discrete quarter, annualized.

MetricQ4 2001Q2 2002Q3 2002Q4 2002Q1 2003YoY ΔTrend
Earnings
Return on Assets0.64%0.47%0.31%-0.26%0.10%-54 bps
Return on Equity3.98%2.86%1.81%-1.59%0.58%-340 bps
Net Interest Margin3.89%3.82%3.64%2.95%3.46%-42 bps
Efficiency Ratio83.51%87.83%91.60%108.81%97.05%+1,353 bps
Growth
Asset Growth (YoY)3.32%1.56%-0.73%-2.00%-10.00%-1,332 bps
Loan Growth (YoY)63.88%-38.67%-42.97%-39.06%-48.91%-11,279 bps
Share Growth (YoY)2.90%2.49%-1.92%-1.02%-11.64%-1,455 bps
Asset Quality
Delinquent Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital16.08%16.28%16.90%16.35%17.61%+153 bps
Net Worth / Assets16.08%16.28%16.90%16.35%17.61%+153 bps
Liquidity & Funding
Loans / Shares36.88%27.43%30.88%27.28%21.32%-1,555 bps
Liquid Assets / Assets67.14%74.92%72.25%75.21%80.39%+1,324 bps