Dwight, IL · Charter 62405
Q3 2002
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2002, the quarter ended September 30, 2002, 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.
Dwight, IL · Charter 62405
Q3 2002
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 2000 | Q2 2001 | Q4 2001 | Q2 2002 | Q3 2002 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 2.46% | 0.93% | 0.53% | 0.27% | 0.37% | -209 bps | |
| Return on Equity | 15.27% | 6.67% | 3.61% | 2.17% | 3.01% | -1,227 bps | |
| Net Interest Margin | 7.30% | 5.49% | 5.28% | 4.13% | 4.23% | -307 bps | |
| Efficiency Ratio | 67.42% | 83.44% | 90.37% | 93.80% | 91.72% | +2,430 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 13.77% | 11.36% | 24.95% | 15.82% | 36.84% | +2,307 bps | |
| Loan Growth (YoY) | 25.33% | -4.00% | -17.94% | -21.16% | 12.33% | -1,300 bps | |
| Share Growth (YoY) | 13.25% | 10.68% | 25.90% | 15.73% | 43.10% | +2,985 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 3.21% | 2.17% | 0.82% | 0.00% | 0.00% | -321 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 2.41% | 3.16% | 1.53% | 1.35% | 1.14% | -127 bps | |
| Capital | |||||||
| Risk-Based Capital | 16.09% | 13.94% | 14.61% | 12.45% | 12.33% | -376 bps | |
| Net Worth / Assets | 16.09% | 13.94% | 14.61% | 12.45% | 12.33% | -376 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 105.31% | 72.91% | 75.24% | 66.25% | 82.67% | -2,265 bps | |
| Liquid Assets / Assets | 11.74% | 37.18% | 34.74% | 41.02% | 26.63% | +1,489 bps | |