PackageTrendsPeer
Letter portraitLegal landscape

District 143 Employees

Midlothian, IL · Charter 18289

Q4 1999

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, not published for this institution and quartern/a

Basis

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.

Peer group

No peer standings are published for this institution and quarter.

Peer groups below the disclosure floor are suppressed.

Source: NCUA 5300 Call Report, as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

District 143 Employees

Midlothian, IL · Charter 18289

Q4 1999

$2.2MAssets
$1.4MLoans
$1.9MShares
n/aNet Worth

Executive Summary

  • Earnings: ROA of 0.77%, down 327 bps year over year; NIM at 5.35%.
  • Asset quality: problem loans at 2.74% of loans (-717 bps YoY).
  • Funding: loans stand at 74.04% of shares as of Q4 1999.

Return on Assets (YTD, annualized)

0.77%-327 bps YoY

Net Interest Margin (YTD, annualized)

5.35%
n/a

Efficiency Ratio (YTD, annualized)

63.92%
n/a

Net Worth / Assets

n/a
n/a

Year to date, annualized, through each quarter.

MetricQ2 1996Q4 1996Q2 1997Q4 1997Q2 1998Q4 1998Q2 1999Q4 1999YoY ΔTrend
Earnings
Return on Assets4.86%4.39%3.83%4.04%-4.53%-0.47%3.08%0.77%-327 bps
Return on Equityn/an/an/an/an/an/an/an/an/an/a
Net Interest Marginn/an/an/an/an/an/an/a5.35%n/an/a
Efficiency Ration/an/an/an/an/an/an/a63.92%n/an/a
Growth
Asset Growth (YoY)11.28%3.00%4.68%9.34%-3.59%1.70%3.15%-2.70%-1,203 bps
Loan Growth (YoY)5.38%0.05%-1.63%-0.81%-6.86%-21.78%-22.19%-20.10%-1,929 bps
Share Growth (YoY)10.31%8.24%3.22%8.07%-1.03%4.75%7.05%0.29%-778 bps
Asset Quality
Delinquent Loans / Loans4.34%4.01%7.96%9.91%6.30%4.86%2.86%2.74%-717 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans2.58%2.98%3.61%2.36%3.76%5.10%4.23%4.68%+232 bps
Capital
Risk-Based Capitaln/an/an/an/an/an/an/an/an/an/a
Net Worth / Assetsn/an/an/an/an/an/an/an/an/an/a
Liquidity & Funding
Loans / Shares89.30%101.90%98.89%92.93%84.04%76.09%71.88%74.04%-1,889 bps
Liquid Assets / Assets18.92%9.63%14.42%18.23%22.15%29.68%32.83%31.71%+1,349 bps