PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Boone County

Belvidere, IL · Charter 16110

Q2 1998

$2.2MAssets
$1.2MLoans
$2.1MShares
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 2.32%, down 21 bps year over year.
  • Asset quality: problem loans at 2.15% of loans (-11 bps YoY).
  • Funding: loans stand at 56.44% of shares as of Q2 1998.

Financial Results

Return on Assets (YTD, annualized)

2.32%-21 bps YoY

Net Interest Margin (YTD, annualized)

n/a

Efficiency Ratio (YTD, annualized)

n/a

Net Worth / Assets

n/a

Year to date, annualized, through each quarter.

MetricQ2 1996Q4 1996Q2 1997Q4 1997Q2 1998YoY ΔTrend
Earnings
Return on Assets2.53%3.36%2.18%2.58%2.32%-21 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)10.20%0.15%5.06%3.09%-5.02%-1,523 bps
Loan Growth (YoY)-14.32%-14.04%-15.66%-5.30%-9.52%+480 bps
Share Growth (YoY)8.76%-1.53%3.34%2.77%-1.02%-977 bps
Asset Quality
Delinquent Loans / Loans2.26%3.01%3.71%3.19%2.15%-11 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans2.52%2.30%2.15%1.61%5.88%+335 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 / Shares61.74%82.29%63.72%71.73%56.44%-530 bps
Liquid Assets / Assets25.37%12.13%27.04%18.04%33.86%+849 bps