Park Ridge, IL · Charter 60030
Q3 2009
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2009, the quarter ended September 30, 2009, 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.
Park Ridge, IL · Charter 60030
Q3 2009
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 2008 | Q4 2008 | Q1 2009 | Q2 2009 | Q3 2009 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -0.20% | -0.50% | -2.75% | -1.57% | -1.43% | -122 bps | |
| Return on Equity | -1.23% | -2.99% | -17.61% | -10.68% | -10.12% | -889 bps | |
| Net Interest Margin | 3.98% | 4.13% | 3.53% | 3.17% | 3.02% | -96 bps | |
| Efficiency Ratio | 104.62% | 109.13% | 123.51% | 118.52% | 122.27% | +1,766 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -5.35% | -7.14% | -2.05% | 3.65% | 6.27% | +1,162 bps | |
| Loan Growth (YoY) | -11.06% | -13.33% | -13.58% | -10.17% | -1.89% | +917 bps | |
| Share Growth (YoY) | -6.22% | -7.94% | -1.10% | 5.81% | 9.11% | +1,533 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.00% | 0.34% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.12% | 1.19% | 0.80% | 0.98% | 1.11% | -1 bps | |
| Capital | |||||||
| Risk-Based Capital | 16.44% | 16.85% | 15.62% | 14.67% | 14.09% | -235 bps | |
| Net Worth / Assets | 16.44% | 16.85% | 15.62% | 14.67% | 14.09% | -235 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 47.25% | 49.23% | 43.58% | 41.45% | 42.49% | -476 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |