Joliet, IL · Charter 64647
Q4 1999
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 1999, the quarter ended December 31, 1999, 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 64647
Q4 1999
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 1997 | Q2 1998 | Q4 1998 | Q2 1999 | Q4 1999 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 4.62% | 5.44% | 3.96% | -3.30% | -8.09% | -1,271 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 | 6.66% | n/a | n/a |
| Efficiency Ratio | n/a | n/a | n/a | n/a | 58.77% | n/a | n/a |
| Growth | |||||||
| Asset Growth (YoY) | 28.52% | 15.71% | -11.22% | -20.83% | -35.40% | -6,392 bps | |
| Loan Growth (YoY) | 161.07% | 17.47% | -12.09% | -30.19% | -44.44% | -20,550 bps | |
| Share Growth (YoY) | 30.89% | 21.88% | -8.22% | -15.79% | -29.61% | -6,050 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 8.23% | 5.31% | 7.72% | 3.29% | 1.82% | -642 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.77% | 2.68% | 2.80% | 3.84% | 6.71% | +594 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 | 96.86% | 87.83% | 86.93% | 76.33% | 76.45% | -2,040 bps | |
| Liquid Assets / Assets | 7.05% | 11.75% | 15.14% | 23.33% | 5.97% | -108 bps | |