West Frankfort, IL · Charter 19607
Q3 2003
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 | Q3 2002 | Q4 2002 | Q1 2003 | Q2 2003 | Q3 2003 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -0.54% | -0.25% | -0.12% | -0.07% | -0.38% | +16 bps | |
| Return on Equity | -3.50% | -1.66% | -0.80% | -0.47% | -2.68% | +82 bps | |
| Net Interest Margin | 4.03% | 4.18% | 4.21% | 3.74% | 3.63% | -40 bps | |
| Efficiency Ratio | 113.42% | 106.06% | 102.85% | 101.80% | 110.54% | -288 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 4.05% | 4.13% | -0.62% | 4.12% | 7.06% | +302 bps | |
| Loan Growth (YoY) | -19.53% | -21.00% | -16.62% | -25.68% | -29.73% | -1,020 bps | |
| Share Growth (YoY) | 5.39% | 5.25% | -0.44% | 4.93% | 8.57% | +318 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.88% | 1.46% | 1.37% | 1.37% | 1.36% | +48 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.62% | 0.67% | 0.69% | 0.77% | 0.88% | +26 bps | |
| Capital | |||||||
| Risk-Based Capital | 15.50% | 15.33% | 15.19% | 14.32% | 14.33% | -117 bps | |
| Net Worth / Assets | 15.50% | 15.33% | 15.19% | 14.32% | 14.33% | -117 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 70.91% | 64.12% | 62.12% | 51.33% | 45.90% | -2,502 bps | |
| Liquid Assets / Assets | 38.43% | 44.12% | 45.37% | 54.22% | 58.88% | +2,044 bps | |