Midlothian, IL · Charter 18289
Q4 1999
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 1999, the quarter ended December 31, 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.
Midlothian, IL · Charter 18289
Q4 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 | Q4 1997 | Q2 1998 | Q4 1998 | Q2 1999 | Q4 1999 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 4.04% | -4.53% | -0.47% | 3.08% | 0.77% | -327 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 | 5.35% | n/a | n/a |
| Efficiency Ratio | n/a | n/a | n/a | n/a | 63.92% | n/a | n/a |
| Growth | |||||||
| Asset Growth (YoY) | 9.34% | -3.59% | 1.70% | 3.15% | -2.70% | -1,203 bps | |
| Loan Growth (YoY) | -0.81% | -6.86% | -21.78% | -22.19% | -20.10% | -1,929 bps | |
| Share Growth (YoY) | 8.07% | -1.03% | 4.75% | 7.05% | 0.29% | -778 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 9.91% | 6.30% | 4.86% | 2.86% | 2.74% | -717 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 2.36% | 3.76% | 5.10% | 4.23% | 4.68% | +232 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 | 92.93% | 84.04% | 76.09% | 71.88% | 74.04% | -1,889 bps | |
| Liquid Assets / Assets | 18.23% | 22.15% | 29.68% | 32.83% | 31.71% | +1,349 bps | |