Hoffman Estates, IL · Charter 61193
Q4 2000
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2000, the quarter ended December 31, 2000, 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.
Hoffman Estates, IL · Charter 61193
Q4 2000
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 1998 | Q2 1999 | Q4 1999 | Q2 2000 | Q4 2000 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 2.86% | 1.45% | 0.13% | 0.54% | 0.09% | -277 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | 0.39% | n/a | n/a |
| Net Interest Margin | n/a | n/a | 6.14% | 6.64% | 7.60% | n/a | |
| Efficiency Ratio | n/a | n/a | 97.93% | 91.92% | 98.80% | n/a | |
| Growth | |||||||
| Asset Growth (YoY) | -9.72% | -20.78% | -19.16% | -26.25% | -31.49% | -2,177 bps | |
| Loan Growth (YoY) | -23.02% | -26.45% | -47.50% | -41.87% | -40.15% | -1,713 bps | |
| Share Growth (YoY) | -10.53% | -24.03% | -23.25% | -31.48% | -37.95% | -2,742 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.00% | 7.57% | 14.41% | 1.53% | 0.94% | +94 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 8.79% | 10.02% | 12.73% | 13.42% | 14.68% | +589 bps | |
| Capital | |||||||
| Risk-Based Capital | n/a | n/a | n/a | n/a | 24.44% | n/a | n/a |
| Net Worth / Assets | n/a | n/a | n/a | n/a | 24.44% | n/a | n/a |
| Liquidity & Funding | |||||||
| Loans / Shares | 57.16% | 56.58% | 46.85% | 50.22% | 55.14% | -202 bps | |
| Liquid Assets / Assets | 52.54% | 46.80% | 62.17% | 56.05% | 52.20% | -34 bps | |