Rantoul, IL · Charter 61581
Q2 2005
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2005, the quarter ended June 30, 2005, 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.
Rantoul, IL · Charter 61581
Q2 2005
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 2004 | Q3 2004 | Q4 2004 | Q1 2005 | Q2 2005 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.42% | 0.62% | 0.56% | 0.17% | 0.23% | -19 bps | |
| Return on Equity | 3.26% | 4.60% | 4.29% | 1.31% | 1.74% | -151 bps | |
| Net Interest Margin | 3.46% | 3.63% | 3.51% | 3.55% | 3.61% | +15 bps | |
| Efficiency Ratio | 85.50% | 83.41% | 84.87% | 90.99% | 88.49% | +299 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 1.18% | 0.84% | 2.53% | 1.85% | 1.30% | +12 bps | |
| Loan Growth (YoY) | 5.15% | 11.31% | 9.19% | 9.24% | 9.75% | +460 bps | |
| Share Growth (YoY) | 1.19% | 0.74% | 2.14% | 1.21% | 0.73% | -46 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.79% | 0.86% | 0.74% | 0.59% | 1.31% | +51 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.63% | 0.59% | 0.59% | 0.52% | 0.44% | -19 bps | |
| Capital | |||||||
| Risk-Based Capital | 12.87% | 13.44% | 13.05% | 13.08% | 13.17% | +30 bps | |
| Net Worth / Assets | 12.87% | 13.44% | 13.05% | 13.08% | 13.17% | +30 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 71.79% | 76.38% | 74.37% | 75.35% | 78.22% | +643 bps | |
| Liquid Assets / Assets | 23.75% | 20.04% | 24.55% | 24.44% | 21.47% | -229 bps | |