Kankakee, IL · Charter 61397
Q1 2004
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2004, the quarter ended March 31, 2004, 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.
Kankakee, IL · Charter 61397
Q1 2004
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 2003 | Q2 2003 | Q3 2003 | Q4 2003 | Q1 2004 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.37% | -1.17% | -0.36% | -0.71% | 0.72% | +35 bps | |
| Return on Equity | 4.54% | -15.98% | -4.24% | -9.81% | 10.40% | +586 bps | |
| Net Interest Margin | 2.82% | 1.39% | 2.36% | 1.59% | 2.31% | -51 bps | |
| Efficiency Ratio | 87.17% | 130.17% | 114.86% | 120.37% | 69.40% | -1,777 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 11.74% | -0.30% | -7.27% | 5.91% | 8.06% | -368 bps | |
| Loan Growth (YoY) | -24.18% | -15.82% | -14.76% | -17.35% | -14.38% | +980 bps | |
| Share Growth (YoY) | 12.81% | 0.17% | -7.32% | 7.33% | 9.50% | -331 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 8.02% | 11.66% | 12.16% | 6.92% | 7.49% | -53 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.39% | 0.00% | 0.00% | 0.00% | 1.01% | -38 bps | |
| Capital | |||||||
| Risk-Based Capital | 8.14% | 7.33% | 8.54% | 7.29% | 6.96% | -118 bps | |
| Net Worth / Assets | 8.14% | 7.33% | 8.54% | 7.29% | 6.96% | -118 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 33.42% | 33.39% | 36.12% | 30.48% | 26.13% | -729 bps | |
| Liquid Assets / Assets | 66.28% | 67.03% | 64.83% | 69.72% | 73.79% | +752 bps | |