Springfield, IL · Charter 60129
Q4 1999
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 1999, the quarter ended December 31, 1999, 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.
Springfield, IL · Charter 60129
Q4 1999
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 1997 | Q2 1998 | Q4 1998 | Q2 1999 | Q4 1999 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 4.76% | 4.42% | 5.44% | -60.90% | 3.85% | -91 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Net Interest Margin | n/a | n/a | n/a | n/a | 7.31% | n/a | n/a |
| Efficiency Ratio | n/a | n/a | n/a | n/a | 47.29% | n/a | n/a |
| Growth | |||||||
| Asset Growth (YoY) | 3.87% | -6.05% | -15.55% | -33.61% | -21.01% | -2,488 bps | |
| Loan Growth (YoY) | 65.51% | 47.44% | 10.20% | 9.96% | -13.12% | -7,862 bps | |
| Share Growth (YoY) | 3.54% | -7.89% | -19.22% | -15.22% | -24.22% | -2,776 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 20.57% | 15.84% | 6.77% | 13.34% | 11.19% | -938 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 5.71% | 5.73% | 4.46% | 30.82% | 4.49% | -122 bps | |
| Capital | |||||||
| Risk-Based Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Net Worth / Assets | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Liquidity & Funding | |||||||
| Loans / Shares | 95.20% | 100.50% | 105.65% | 103.52% | 109.15% | +1,395 bps | |
| Liquid Assets / Assets | 5.96% | 6.43% | 4.46% | 5.23% | 3.06% | -290 bps | |