Mc Cook, IL · Charter 60900
Q1 2006
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2006, the quarter ended March 31, 2006, 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.
Mc Cook, IL · Charter 60900
Q1 2006
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 | Q1 2005 | Q2 2005 | Q3 2005 | Q4 2005 | Q1 2006 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.92% | 0.51% | 0.39% | 0.27% | 5.73% | +481 bps | |
| Return on Equity | 2.46% | 1.33% | 1.00% | 0.71% | 14.12% | +1,166 bps | |
| Net Interest Margin | 3.59% | 3.26% | 3.46% | 3.55% | 4.17% | +57 bps | |
| Efficiency Ratio | 75.57% | 85.25% | 89.48% | 92.77% | 78.39% | +281 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -8.31% | -8.34% | -9.06% | -1.65% | -6.99% | +132 bps | |
| Loan Growth (YoY) | -1.30% | -3.61% | -3.56% | -17.88% | -17.72% | -1,641 bps | |
| Share Growth (YoY) | -12.43% | -12.82% | -14.18% | -3.27% | -11.63% | +80 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 3.67% | 2.36% | 1.91% | 0.26% | 0.10% | -357 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 3.09% | 3.39% | 3.30% | 3.76% | 4.18% | +108 bps | |
| Capital | |||||||
| Risk-Based Capital | 37.39% | 38.21% | 38.79% | 38.24% | 40.57% | +319 bps | |
| Net Worth / Assets | 37.39% | 38.21% | 38.79% | 38.24% | 40.57% | +319 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 51.91% | 50.55% | 52.30% | 46.70% | 48.33% | -357 bps | |
| Liquid Assets / Assets | 66.30% | 67.45% | 66.61% | 70.16% | 70.32% | +403 bps | |