Lasalle, IL · Charter 13555
Q2 1999
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 1999, the quarter ended June 30, 1999, 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.
Lasalle, IL · Charter 13555
Q2 1999
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 | Q2 1997 | Q4 1997 | Q2 1998 | Q4 1998 | Q2 1999 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 4.83% | 4.83% | 4.55% | 3.61% | 3.65% | -118 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Net Interest Margin | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Efficiency Ratio | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Growth | |||||||
| Asset Growth (YoY) | 2.94% | 5.20% | 6.33% | 6.00% | 6.10% | +316 bps | |
| Loan Growth (YoY) | -7.41% | -23.48% | -16.29% | -9.13% | -21.75% | -1,434 bps | |
| Share Growth (YoY) | 2.63% | 4.75% | 6.20% | 6.53% | 7.38% | +475 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 22.99% | 24.47% | 20.13% | 7.89% | 11.03% | -1,196 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 10.46% | 10.83% | 11.27% | 4.54% | 5.28% | -518 bps | |
| Capital | |||||||
| Risk-Based Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Net Worth / Assets | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Liquidity & Funding | |||||||
| Loans / Shares | 60.74% | 48.22% | 46.59% | 51.04% | 44.27% | -1,648 bps | |
| Liquid Assets / Assets | 39.98% | 56.25% | 23.74% | 25.07% | 33.16% | -682 bps | |