Bridgeview, IL · Charter 13587
Q4 2002
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2002, the quarter ended December 31, 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.
Bridgeview, IL · Charter 13587
Q4 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 | Q2 2001 | Q4 2001 | Q2 2002 | Q3 2002 | Q4 2002 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.38% | -0.62% | 0.41% | 0.58% | -3.15% | -353 bps | |
| Return on Equity | 1.85% | -3.30% | 2.28% | 2.71% | -14.31% | -1,615 bps | |
| Net Interest Margin | 6.83% | 6.71% | 6.68% | 7.73% | 8.58% | +175 bps | |
| Efficiency Ratio | 79.67% | 76.61% | 71.33% | 71.21% | 79.68% | 0 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 1.18% | 7.51% | 14.59% | -2.36% | -22.50% | -2,367 bps | |
| Loan Growth (YoY) | 16.31% | 14.11% | 2.02% | -6.82% | -24.89% | -4,121 bps | |
| Share Growth (YoY) | -0.06% | 8.35% | 18.08% | -2.74% | -24.22% | -2,416 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 4.22% | 3.70% | 4.73% | 6.55% | 21.66% | +1,744 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.84% | 3.05% | 2.65% | 2.71% | 5.63% | +378 bps | |
| Capital | |||||||
| Risk-Based Capital | 20.40% | 18.83% | 18.15% | 21.57% | 22.03% | +163 bps | |
| Net Worth / Assets | 20.40% | 18.83% | 18.15% | 21.57% | 22.03% | +163 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 99.39% | 93.22% | 81.09% | 92.40% | 98.50% | -89 bps | |
| Liquid Assets / Assets | 10.85% | 15.41% | 24.79% | 17.28% | 12.79% | +194 bps | |