Lockport, IL · Charter 13302
Q3 2002
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2002, the quarter ended September 30, 2002, 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.
Lockport, IL · Charter 13302
Q3 2002
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 | Q4 2000 | Q2 2001 | Q4 2001 | Q2 2002 | Q3 2002 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.24% | 1.17% | 0.99% | 0.74% | 1.11% | -13 bps | |
| Return on Equity | 9.13% | 9.25% | 7.65% | 6.12% | 8.55% | -58 bps | |
| Net Interest Margin | 4.41% | 4.12% | 3.98% | 3.47% | 3.72% | -70 bps | |
| Efficiency Ratio | 72.24% | 74.43% | 72.39% | 72.35% | 64.33% | -791 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 7.26% | 9.51% | 13.86% | 15.66% | 20.81% | +1,356 bps | |
| Loan Growth (YoY) | 3.86% | -7.14% | -16.85% | -21.87% | -14.27% | -1,812 bps | |
| Share Growth (YoY) | 5.48% | 8.21% | 13.16% | 15.46% | 21.64% | +1,616 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 1.78% | 2.09% | 2.50% | 2.17% | 2.29% | +51 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.45% | 0.60% | 0.75% | 0.78% | 0.74% | +28 bps | |
| Capital | |||||||
| Risk-Based Capital | 13.54% | 12.65% | 12.95% | 12.10% | 12.96% | -57 bps | |
| Net Worth / Assets | 13.54% | 12.65% | 12.95% | 12.10% | 12.96% | -57 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 69.43% | 55.48% | 53.07% | 43.65% | 48.94% | -2,050 bps | |
| Liquid Assets / Assets | 17.91% | 36.79% | 51.15% | 20.59% | 49.35% | +3,144 bps | |