Lake Forest, IL · Charter 60540
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.
Lake Forest, IL · Charter 60540
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 | -0.57% | -0.66% | -3.68% | -0.84% | -1.39% | -82 bps | |
| Return on Equity | -6.66% | -7.54% | -46.57% | -10.43% | -20.01% | -1,335 bps | |
| Net Interest Margin | 2.09% | 2.20% | 1.80% | 1.94% | 1.68% | -41 bps | |
| Efficiency Ratio | 119.69% | 119.91% | 147.77% | 78.43% | 111.93% | -776 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -2.82% | -2.42% | -10.54% | -6.60% | 3.96% | +679 bps | |
| Loan Growth (YoY) | -21.92% | -18.63% | -19.37% | -23.51% | -21.07% | +85 bps | |
| Share Growth (YoY) | -2.66% | -4.52% | -6.12% | -2.20% | 10.61% | +1,327 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 1.56% | 2.71% | 1.73% | 1.60% | 1.87% | +31 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.80% | 2.00% | 2.34% | 1.47% | 1.43% | -37 bps | |
| Capital | |||||||
| Risk-Based Capital | 8.49% | 8.72% | 7.89% | 8.07% | 6.93% | -156 bps | |
| Net Worth / Assets | 8.49% | 8.72% | 7.89% | 8.07% | 6.93% | -156 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 19.79% | 21.49% | 19.26% | 16.78% | 14.12% | -567 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |