Chicago, IL · Charter 60860
Q1 2003
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2003, the quarter ended March 31, 2003, 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.
Chicago, IL · Charter 60860
Q1 2003
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 2001 | Q2 2002 | Q3 2002 | Q4 2002 | Q1 2003 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -2.04% | 0.19% | 0.29% | 0.12% | -0.33% | +171 bps | |
| Return on Equity | -13.10% | 1.33% | 1.99% | 0.79% | -2.10% | +1,100 bps | |
| Net Interest Margin | 5.24% | 4.21% | 4.22% | 4.14% | 3.96% | -128 bps | |
| Efficiency Ratio | 118.48% | 95.49% | 93.17% | 97.20% | 108.13% | -1,035 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -28.49% | -16.20% | -8.17% | -0.35% | 0.12% | +2,861 bps | |
| Loan Growth (YoY) | -28.34% | -24.21% | -28.66% | -16.88% | -18.54% | +980 bps | |
| Share Growth (YoY) | -31.35% | -17.32% | -7.81% | 0.27% | 0.09% | +3,144 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 1.90% | 1.20% | 1.47% | 2.19% | 2.94% | +104 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.48% | 2.04% | 2.27% | 2.27% | 2.64% | +117 bps | |
| Capital | |||||||
| Risk-Based Capital | 15.59% | 14.46% | 14.63% | 14.69% | 15.61% | +2 bps | |
| Net Worth / Assets | 15.59% | 14.46% | 14.63% | 14.69% | 15.61% | +2 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 59.51% | 53.44% | 51.16% | 50.23% | 48.43% | -1,108 bps | |
| Liquid Assets / Assets | 43.07% | 29.50% | 31.53% | 32.29% | 37.69% | -538 bps | |