Midlothian, IL · Charter 64270
Q2 2001
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2001, the quarter ended June 30, 2001, 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.
Midlothian, IL · Charter 64270
Q2 2001
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 1999 | Q4 1999 | Q2 2000 | Q4 2000 | Q2 2001 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.20% | 0.12% | -9.05% | -4.72% | -4.57% | -577 bps | |
| Return on Equity | n/a | n/a | n/a | -53.43% | -72.57% | n/a | |
| Net Interest Margin | n/a | 6.03% | 6.86% | 7.70% | 7.15% | n/a | |
| Efficiency Ratio | n/a | 98.08% | 76.63% | 72.09% | 79.40% | n/a | |
| Growth | |||||||
| Asset Growth (YoY) | -11.08% | -7.59% | -12.22% | -11.34% | -5.26% | +582 bps | |
| Loan Growth (YoY) | -2.15% | -4.78% | 2.29% | 17.82% | 5.50% | +765 bps | |
| Share Growth (YoY) | -13.31% | -9.96% | -9.14% | -7.35% | 1.70% | +1,501 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 23.13% | 25.58% | 17.14% | 14.62% | 9.51% | -1,362 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.53% | 0.82% | 6.05% | 6.01% | 5.74% | +422 bps | |
| Capital | |||||||
| Risk-Based Capital | n/a | n/a | n/a | 8.83% | 6.30% | n/a | |
| Net Worth / Assets | n/a | n/a | n/a | 8.83% | 6.30% | n/a | |
| Liquidity & Funding | |||||||
| Loans / Shares | 85.01% | 88.99% | 82.63% | 97.87% | 88.19% | +317 bps | |
| Liquid Assets / Assets | 14.87% | 8.14% | 8.59% | 13.75% | 12.42% | -245 bps | |