Plano, IL · Charter 61729
Q2 1998
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 1998, the quarter ended June 30, 1998, 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.
Plano, IL · Charter 61729
Q2 1998
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 1996 | Q4 1996 | Q2 1997 | Q4 1997 | Q2 1998 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 4.04% | 3.48% | -1.68% | 1.20% | -0.83% | -487 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Net Interest Margin | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Efficiency Ratio | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Growth | |||||||
| Asset Growth (YoY) | -19.40% | -20.34% | -21.99% | -21.27% | -20.54% | -114 bps | |
| Loan Growth (YoY) | 30.04% | 1.56% | -29.80% | -27.91% | -21.35% | -5,139 bps | |
| Share Growth (YoY) | -21.23% | -21.78% | -14.04% | -15.76% | -18.78% | +246 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 10.60% | 13.30% | 12.83% | 15.83% | 15.05% | +445 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 3.92% | 3.80% | 5.34% | 2.63% | 4.80% | +88 bps | |
| Capital | |||||||
| Risk-Based Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Net Worth / Assets | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Liquidity & Funding | |||||||
| Loans / Shares | 80.75% | 79.09% | 69.12% | 80.60% | 78.20% | -256 bps | |
| Liquid Assets / Assets | 21.99% | 19.35% | 31.68% | 17.08% | 22.49% | +50 bps | |