Danville, IL · Charter 15416
Q2 1998
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 1998, the quarter ended June 30, 1998, 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.
Danville, IL · Charter 15416
Q2 1998
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 1996 | Q4 1996 | Q2 1997 | Q4 1997 | Q2 1998 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 3.85% | 4.26% | 4.17% | 3.72% | 4.18% | +33 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) | -4.92% | -12.29% | -9.47% | -8.50% | -23.48% | -1,855 bps | |
| Loan Growth (YoY) | 40.38% | 24.34% | 17.76% | 10.78% | -12.62% | -5,300 bps | |
| Share Growth (YoY) | -8.71% | -17.43% | -10.29% | -11.08% | -31.04% | -2,234 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.09% | 0.05% | 0.91% | 8.06% | 7.17% | +708 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.99% | 1.08% | 1.21% | 1.02% | 0.39% | -59 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 | 67.00% | 73.21% | 67.23% | 86.84% | 84.90% | +1,790 bps | |
| Liquid Assets / Assets | 14.80% | 26.35% | 25.55% | 14.15% | 18.81% | +402 bps | |