PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Illiana

Calumet City, IL · Charter 1424

Q4 1999

$84.8MAssets
$53.7MLoans
$67.1MShares
n/aNet 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 2.06%, down 208 bps year over year; NIM at 4.58%.
  • Asset quality: problem loans at 0.41% of loans (-10 bps YoY).
  • Funding: loans stand at 80.00% of shares as of Q4 1999.

Financial Results

Return on Assets (YTD, annualized)

2.06%-208 bps YoY

Net Interest Margin (YTD, annualized)

4.58%

Efficiency Ratio (YTD, annualized)

56.89%

Net Worth / Assets

n/a

Year to date, annualized, through each quarter.

MetricQ4 1998Q1 1999Q2 1999Q3 1999Q4 1999YoY ΔTrend
Earnings
Return on Assets4.14%4.02%4.19%2.06%2.06%-208 bps
Return on Equityn/an/an/an/an/an/an/a
Net Interest Marginn/an/an/a4.57%4.58%n/a
Efficiency Ration/an/an/a56.70%56.89%n/a
Growth
Asset Growth (YoY)8.93%10.17%9.14%9.39%2.31%-662 bps
Loan Growth (YoY)4.24%2.96%0.18%2.00%2.70%-154 bps
Share Growth (YoY)8.46%10.00%8.80%8.93%0.47%-799 bps
Asset Quality
Delinquent Loans / Loans0.51%0.51%0.49%0.46%0.41%-10 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.56%0.62%0.62%0.61%0.58%+2 bps
Capital
Risk-Based Capitaln/an/an/an/an/an/an/a
Net Worth / Assetsn/an/an/an/an/an/an/a
Liquidity & Funding
Loans / Shares78.26%73.77%74.67%79.23%80.00%+174 bps
Liquid Assets / Assets29.90%28.44%21.89%22.02%21.78%-812 bps