Blue Island, IL · Charter 60314
Q4 2000
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2000, the quarter ended December 31, 2000, 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.
Blue Island, IL · Charter 60314
Q4 2000
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 1998 | Q2 1999 | Q4 1999 | Q2 2000 | Q4 2000 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 4.25% | 4.14% | 1.15% | 0.06% | 1.26% | -300 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | 5.63% | n/a | n/a |
| Net Interest Margin | n/a | n/a | 3.80% | 4.14% | 4.51% | n/a | |
| Efficiency Ratio | n/a | n/a | 62.93% | 58.48% | 52.33% | n/a | |
| Growth | |||||||
| Asset Growth (YoY) | -10.06% | -4.36% | -8.22% | -4.68% | -4.37% | +569 bps | |
| Loan Growth (YoY) | -15.35% | -11.92% | -0.95% | 4.36% | 13.80% | +2,915 bps | |
| Share Growth (YoY) | -14.62% | -8.13% | -12.35% | -7.86% | -7.90% | +672 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.00% | 0.61% | 3.02% | 0.00% | 1.62% | +162 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.94% | 1.13% | 1.44% | 0.63% | 0.93% | -1 bps | |
| Capital | |||||||
| Risk-Based Capital | n/a | n/a | n/a | n/a | 22.34% | n/a | n/a |
| Net Worth / Assets | n/a | n/a | n/a | n/a | 22.34% | n/a | n/a |
| Liquidity & Funding | |||||||
| Loans / Shares | 53.72% | 52.01% | 64.13% | 61.75% | 66.38% | +1,266 bps | |
| Liquid Assets / Assets | 35.57% | 34.81% | 30.18% | 42.07% | 46.50% | +1,092 bps | |