Broadview, IL · Charter 22325
Q3 2004
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2004, the quarter ended September 30, 2004, 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.
Broadview, IL · Charter 22325
Q3 2004
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 2003 | Q4 2003 | Q1 2004 | Q2 2004 | Q3 2004 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.26% | 0.29% | 0.19% | 0.61% | 0.17% | -9 bps | |
| Return on Equity | 1.17% | 1.25% | 0.74% | 2.46% | 0.70% | -47 bps | |
| Net Interest Margin | 2.57% | 2.60% | 2.43% | 2.82% | 2.17% | -41 bps | |
| Efficiency Ratio | 90.02% | 88.99% | 92.41% | 78.97% | 92.53% | +251 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -0.81% | -7.37% | -15.50% | -12.75% | -7.92% | -711 bps | |
| Loan Growth (YoY) | -15.84% | -11.47% | -12.49% | -14.25% | 7.36% | +2,320 bps | |
| Share Growth (YoY) | -1.17% | -9.20% | -20.06% | -16.71% | -10.51% | -933 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.00% | 0.34% | 0.36% | 1.45% | 1.18% | +118 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 3.17% | 3.04% | 3.24% | 3.27% | 2.67% | -50 bps | |
| Capital | |||||||
| Risk-Based Capital | 22.27% | 23.37% | 25.52% | 24.62% | 24.41% | +213 bps | |
| Net Worth / Assets | 22.27% | 23.37% | 25.52% | 24.62% | 24.41% | +213 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 26.06% | 28.79% | 30.34% | 25.63% | 31.27% | +520 bps | |
| Liquid Assets / Assets | 78.54% | 76.76% | 76.23% | 80.26% | 76.09% | -245 bps | |