PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Illinois District

Grayville, IL · Charter 15132

Q2 1999

$469KAssets
$326KLoans
$437KShares
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 11.96%, up 665 bps year over year.
  • Asset quality: problem loans at 14.60% of loans (-529 bps YoY).
  • Funding: loans stand at 74.63% of shares as of Q2 1999.

Financial Results

Return on Assets (quarter, annualized)

11.96%+665 bps YoY

Net Interest Margin (quarter, annualized)

n/a

Efficiency Ratio (quarter, annualized)

n/a

Net Worth / Assets

n/a

Discrete quarter, annualized.

MetricQ2 1997Q4 1997Q2 1998Q4 1998Q2 1999YoY ΔTrend
Earnings
Return on Assets5.31%6.31%6.31%5.98%11.96%+665 bps
Return on Equityn/an/an/an/an/an/an/a
Net Interest Marginn/an/an/an/an/an/an/a
Efficiency Ration/an/an/an/an/an/an/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 / Loans19.88%9.97%9.97%14.60%14.60%-529 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans7.97%4.36%4.36%4.39%4.39%-358 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 / Shares66.96%101.12%101.12%74.63%74.63%+768 bps
Liquid Assets / Assets39.42%6.25%5.25%17.74%17.74%-2,168 bps