Joliet, IL · Charter 64465
Q4 2001
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2001, the quarter ended December 31, 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.
Joliet, IL · Charter 64465
Q4 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 | Q4 1999 | Q2 2000 | Q4 2000 | Q2 2001 | Q4 2001 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.53% | 0.34% | 0.00% | 0.24% | -1.24% | -177 bps | |
| Return on Equity | n/a | n/a | 0.04% | 2.41% | -12.66% | n/a | |
| Net Interest Margin | 5.76% | 5.55% | 6.03% | 5.12% | 5.57% | -20 bps | |
| Efficiency Ratio | 90.68% | 94.16% | 87.20% | 95.46% | 121.41% | +3,073 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -19.15% | -8.51% | -7.20% | -3.01% | -8.76% | +1,038 bps | |
| Loan Growth (YoY) | -20.25% | -5.07% | -11.87% | -18.88% | -7.93% | +1,232 bps | |
| Share Growth (YoY) | -21.17% | -9.41% | -7.99% | -3.26% | -8.54% | +1,263 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 4.01% | 0.86% | 1.33% | 0.00% | 2.14% | -187 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 2.38% | 1.86% | 1.83% | 2.10% | 1.99% | -39 bps | |
| Capital | |||||||
| Risk-Based Capital | n/a | n/a | 10.53% | 10.05% | 9.81% | n/a | |
| Net Worth / Assets | n/a | n/a | 10.53% | 10.05% | 9.81% | n/a | |
| Liquidity & Funding | |||||||
| Loans / Shares | 85.75% | 90.77% | 89.03% | 77.10% | 86.32% | +57 bps | |
| Liquid Assets / Assets | 0.40% | 0.40% | 19.86% | 30.19% | 21.87% | +2,147 bps | |