PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

District 143 Employees

Midlothian, IL · Charter 18289

Q4 1999

$2.2MAssets
$1.4MLoans
$1.9MShares
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 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.

Financial Results

Return on Assets (quarter, annualized)

0.77%-327 bps YoY

Net Interest Margin (quarter, annualized)

5.35%

Efficiency Ratio (quarter, annualized)

63.92%

Net Worth / Assets

n/a

Discrete quarter, annualized.

MetricQ4 1997Q2 1998Q4 1998Q2 1999Q4 1999YoY ΔTrend
Earnings
Return on Assets4.04%-4.53%-0.47%3.08%0.77%-327 bps
Return on Equityn/an/an/an/an/an/an/a
Net Interest Marginn/an/an/an/a5.35%n/an/a
Efficiency Ration/an/an/an/a63.92%n/an/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 / Loans9.91%6.30%4.86%2.86%2.74%-717 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans2.36%3.76%5.10%4.23%4.68%+232 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 / Shares92.93%84.04%76.09%71.88%74.04%-1,889 bps
Liquid Assets / Assets18.23%22.15%29.68%32.83%31.71%+1,349 bps