Cicero, IL · Charter 15840
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.
Cicero, IL · Charter 15840
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 | 3.53% | 3.45% | 3.48% | 3.71% | 3.65% | +12 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) | -7.37% | -5.74% | -1.61% | 5.21% | 6.18% | +1,355 bps | |
| Loan Growth (YoY) | 5.99% | 19.74% | 65.72% | 31.12% | 3.65% | -234 bps | |
| Share Growth (YoY) | -8.45% | -6.15% | -3.28% | 4.35% | 5.99% | +1,445 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 4.89% | 5.20% | 6.32% | 4.29% | 0.88% | -402 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 7.64% | 5.09% | 4.25% | 4.33% | 4.61% | -303 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 | 61.16% | 62.28% | 74.86% | 65.71% | 59.81% | -135 bps | |
| Liquid Assets / Assets | 17.44% | 21.47% | 41.90% | 44.71% | 23.57% | +613 bps | |