Palos Hills, IL · Charter 19705
Q1 2003
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2003, the quarter ended March 31, 2003, 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.
Palos Hills, IL · Charter 19705
Q1 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 | Q4 2001 | Q2 2002 | Q3 2002 | Q4 2002 | Q1 2003 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.39% | -5.45% | -4.32% | -6.82% | -10.53% | -1,092 bps | |
| Return on Equity | 5.32% | -131.05% | -108.47% | -1219% | n/a | n/a | |
| Net Interest Margin | 4.99% | 4.69% | 4.43% | 4.29% | 3.31% | -168 bps | |
| Efficiency Ratio | 86.63% | 119.33% | 110.51% | 159.64% | 113.98% | +2,736 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -0.98% | 3.77% | 7.44% | -1.17% | -2.14% | -116 bps | |
| Loan Growth (YoY) | 114.00% | 45.94% | -8.70% | -28.82% | -40.86% | -15,485 bps | |
| Share Growth (YoY) | -1.80% | 6.61% | 11.62% | 3.35% | 7.62% | +942 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 4.56% | 10.09% | 9.32% | 8.54% | 9.32% | +476 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.14% | 4.83% | 3.47% | 1.74% | 6.82% | +568 bps | |
| Capital | |||||||
| Risk-Based Capital | 7.42% | 4.16% | 3.98% | 0.56% | -2.07% | -949 bps | |
| Net Worth / Assets | 7.42% | 4.16% | 3.98% | 0.56% | -2.07% | -949 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 78.47% | 62.91% | 58.11% | 51.74% | 43.13% | -3,534 bps | |
| Liquid Assets / Assets | 25.79% | 39.86% | 43.47% | 47.89% | 56.46% | +3,067 bps | |