Grayville, IL · Charter 15132
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.
Grayville, IL · Charter 15132
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 | 5.31% | 6.31% | 6.31% | 5.98% | 11.96% | +665 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) | 50.64% | 104.38% | 90.70% | 104.00% | 37.41% | -1,323 bps | |
| Loan Growth (YoY) | 22.46% | 120.38% | 110.85% | 85.85% | 53.80% | +3,134 bps | |
| Share Growth (YoY) | 57.99% | 122.71% | 103.36% | 116.12% | 37.98% | -2,000 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 19.88% | 9.97% | 9.97% | 14.60% | 14.60% | -529 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 7.97% | 4.36% | 4.36% | 4.39% | 4.39% | -358 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 | 66.96% | 101.12% | 101.12% | 74.63% | 74.63% | +768 bps | |
| Liquid Assets / Assets | 39.42% | 6.25% | 5.25% | 17.74% | 17.74% | -2,168 bps | |