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Austin/West Garfield

Chicago, IL · Charter 24318

Q4 2003

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 2003, the quarter ended December 31, 2003, 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

Austin/West Garfield

Chicago, IL · Charter 24318

Q4 2003

$907KAssets
$348KLoans
$911KShares
$-54KNet 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 -9.26%, down 816 bps year over year; NIM at 5.29%.
  • Asset quality: problem loans at 28.17% of loans (+2,286 bps YoY).
  • Capital: net worth / assets of -5.95%, down 1,362 bps from a year ago.
  • Funding: loans stand at 38.21% of shares as of Q4 2003.

Financial Results

Return on Assets (YTD, annualized)

-9.26%-816 bps YoY

Net Interest Margin (YTD, annualized)

5.29%-147 bps YoY

Efficiency Ratio (YTD, annualized)

151.28%+4,562 bps YoY

Net Worth / Assets

-5.95%-1,362 bps YoY

Year to date, annualized, through each quarter.

MetricQ4 2002Q1 2003Q2 2003Q3 2003Q4 2003YoY ΔTrend
Earnings
Return on Assets-1.11%-0.12%-1.15%-6.91%-9.26%-816 bps
Return on Equity-14.43%-2.04%-22.60%-9148%n/an/a
Net Interest Margin6.76%6.87%5.93%6.45%5.29%-147 bps
Efficiency Ratio105.67%101.23%113.47%121.17%151.28%+4,562 bps
Growth
Asset Growth (YoY)-16.21%-29.52%-16.24%-17.08%-2.12%+1,409 bps
Loan Growth (YoY)-3.81%-19.89%-24.37%-41.51%-44.08%-4,027 bps
Share Growth (YoY)-19.46%-30.01%-14.87%-11.54%7.90%+2,736 bps
Asset Quality
Delinquent Loans / Loans5.31%9.53%8.09%10.23%28.17%+2,286 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans2.40%1.54%1.79%7.23%15.80%+1,340 bps
Capital
Risk-Based Capital7.68%6.05%5.08%0.08%-5.95%-1,362 bps
Net Worth / Assets7.68%6.05%5.08%0.08%-5.95%-1,362 bps
Liquidity & Funding
Loans / Shares73.71%65.15%56.50%48.62%38.21%-3,551 bps
Liquid Assets / Assets22.35%33.41%41.07%48.32%61.48%+3,913 bps