East St Louis, IL · Charter 64866
Q3 2003
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q3 2002 | Q4 2002 | Q1 2003 | Q2 2003 | Q3 2003 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -0.71% | -0.79% | -6.19% | -3.48% | -2.10% | -139 bps | |
| Return on Equity | -4.41% | -4.72% | -43.25% | -23.31% | -14.73% | -1,032 bps | |
| Net Interest Margin | 7.21% | 7.24% | 6.68% | 6.24% | 6.01% | -121 bps | |
| Efficiency Ratio | 80.76% | 84.70% | 106.23% | 107.34% | 101.76% | +2,100 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 0.08% | -8.20% | 1.83% | -3.80% | -0.62% | -70 bps | |
| Loan Growth (YoY) | -17.09% | -13.97% | -23.78% | -19.04% | -7.60% | +949 bps | |
| Share Growth (YoY) | 2.83% | -6.71% | 5.18% | -1.45% | 1.70% | -113 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 9.64% | 11.96% | 11.78% | 12.07% | 11.51% | +187 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 3.51% | 3.50% | 6.18% | 6.27% | 5.77% | +226 bps | |
| Capital | |||||||
| Risk-Based Capital | 16.16% | 16.65% | 14.30% | 14.91% | 14.25% | -191 bps | |
| Net Worth / Assets | 16.16% | 16.65% | 14.30% | 14.91% | 14.25% | -191 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 71.97% | 72.11% | 62.21% | 60.57% | 65.38% | -658 bps | |
| Liquid Assets / Assets | 2.87% | 3.00% | 47.17% | 48.63% | 44.40% | +4,152 bps | |