Oak Lawn, IL · Charter 16645
Q2 2001
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2001, the quarter ended June 30, 2001, 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.
Oak Lawn, IL · Charter 16645
Q2 2001
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 1999 | Q4 1999 | Q2 2000 | Q4 2000 | Q2 2001 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 3.29% | 1.00% | 0.92% | 1.27% | 0.04% | -325 bps | |
| Return on Equity | n/a | n/a | n/a | 11.44% | 0.41% | n/a | |
| Net Interest Margin | n/a | 3.90% | 3.87% | 4.17% | 3.22% | n/a | |
| Efficiency Ratio | n/a | 70.74% | 69.49% | 65.90% | 96.62% | n/a | |
| Growth | |||||||
| Asset Growth (YoY) | 13.22% | 13.46% | 12.02% | 13.79% | 10.75% | -247 bps | |
| Loan Growth (YoY) | -28.75% | -21.32% | -14.45% | -11.72% | -19.42% | +933 bps | |
| Share Growth (YoY) | 13.04% | 13.09% | 11.13% | 12.33% | 10.05% | -298 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 2.32% | 3.48% | 2.68% | 2.72% | 1.40% | -92 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 3.70% | 4.11% | 3.56% | 3.84% | 1.32% | -238 bps | |
| Capital | |||||||
| Risk-Based Capital | n/a | n/a | n/a | 11.11% | 10.08% | n/a | |
| Net Worth / Assets | n/a | n/a | n/a | 11.11% | 10.08% | n/a | |
| Liquidity & Funding | |||||||
| Loans / Shares | 38.89% | 39.77% | 34.96% | 36.77% | 28.48% | -1,041 bps | |
| Liquid Assets / Assets | 34.22% | 29.27% | 17.02% | 40.73% | 70.17% | +3,596 bps | |