Lyons, IL · Charter 60849
Q4 2002
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2002, the quarter ended December 31, 2002, 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.
Lyons, IL · Charter 60849
Q4 2002
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 | Q2 2001 | Q4 2001 | Q2 2002 | Q3 2002 | Q4 2002 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -0.21% | 0.04% | -0.26% | 0.01% | -0.25% | -4 bps | |
| Return on Equity | -2.48% | 0.39% | -2.60% | 0.06% | -2.19% | +29 bps | |
| Net Interest Margin | 5.21% | 5.96% | 5.55% | 6.72% | 6.53% | +132 bps | |
| Efficiency Ratio | 103.96% | 99.37% | 104.56% | 99.89% | 103.71% | -25 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -3.31% | -7.83% | -15.39% | -17.84% | -24.82% | -2,152 bps | |
| Loan Growth (YoY) | -19.96% | -12.30% | 17.41% | 29.80% | 10.01% | +2,997 bps | |
| Share Growth (YoY) | -3.26% | -7.83% | -16.62% | -20.39% | -26.06% | -2,281 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.00% | 0.00% | 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 | 3.36% | 2.98% | 2.59% | 2.69% | 3.05% | -31 bps | |
| Capital | |||||||
| Risk-Based Capital | 8.46% | 9.71% | 9.84% | 11.73% | 11.19% | +273 bps | |
| Net Worth / Assets | 8.46% | 9.71% | 9.84% | 11.73% | 11.19% | +273 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 59.61% | 76.19% | 90.48% | 105.41% | 88.70% | +2,909 bps | |
| Liquid Assets / Assets | 45.84% | 32.44% | 18.69% | 8.01% | 21.47% | -2,438 bps | |