Lake Forest, IL · Charter 61067
Q2 2001
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2001, the quarter ended June 30, 2001, 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 61067
Q2 2001
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 1999 | Q4 1999 | Q2 2000 | Q4 2000 | Q2 2001 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 4.15% | 0.81% | 0.91% | 1.26% | 0.70% | -345 bps | |
| Return on Equity | n/a | n/a | n/a | 9.46% | 5.44% | n/a | |
| Net Interest Margin | n/a | 3.36% | 3.12% | 3.26% | 2.99% | n/a | |
| Efficiency Ratio | n/a | 42.67% | 58.49% | 46.62% | 44.87% | n/a | |
| Growth | |||||||
| Asset Growth (YoY) | 11.76% | -4.65% | -7.88% | -10.53% | -12.74% | -2,450 bps | |
| Loan Growth (YoY) | -41.69% | -48.45% | -51.15% | -51.66% | -45.71% | -403 bps | |
| Share Growth (YoY) | 10.19% | -6.68% | -9.93% | -12.44% | -14.41% | -2,460 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 9.21% | 10.61% | 8.54% | 9.22% | 4.36% | -485 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.84% | 4.10% | 5.46% | 6.25% | 9.65% | +782 bps | |
| Capital | |||||||
| Risk-Based Capital | n/a | n/a | n/a | 13.34% | 12.90% | n/a | |
| Net Worth / Assets | n/a | n/a | n/a | 13.34% | 12.90% | n/a | |
| Liquidity & Funding | |||||||
| Loans / Shares | 20.02% | 20.45% | 17.28% | 15.44% | 12.70% | -732 bps | |
| Liquid Assets / Assets | 22.31% | 37.35% | 40.75% | 42.66% | 31.23% | +892 bps | |