Decatur, IL · Charter 62456
Q4 1998
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 1998, the quarter ended December 31, 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.
Decatur, IL · Charter 62456
Q4 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 | Q4 1996 | Q2 1997 | Q4 1997 | Q2 1998 | Q4 1998 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 3.59% | 3.43% | 2.93% | -0.48% | 1.89% | -170 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) | -16.55% | -16.83% | -14.70% | -18.63% | -28.29% | -1,174 bps | |
| Loan Growth (YoY) | 33.91% | -8.76% | -12.95% | -24.47% | -31.36% | -6,527 bps | |
| Share Growth (YoY) | -18.83% | -19.53% | -16.67% | -19.43% | -31.89% | -1,306 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 11.37% | 9.14% | 23.41% | 26.27% | 0.00% | -1,137 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 3.26% | 4.73% | 1.22% | 2.29% | 3.24% | -2 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 | 35.27% | 31.16% | 31.90% | 32.21% | 35.55% | +27 bps | |
| Liquid Assets / Assets | 58.62% | 27.97% | 23.66% | 70.48% | 67.00% | +838 bps | |