Cicero, IL · Charter 64950
Q3 2004
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2004, the quarter ended September 30, 2004, 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.
Cicero, IL · Charter 64950
Q3 2004
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 | Q3 2003 | Q4 2003 | Q1 2004 | Q2 2004 | Q3 2004 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -1.14% | -0.70% | -1.69% | -1.38% | -1.14% | 0 bps | |
| Return on Equity | -10.47% | -6.47% | -15.64% | -13.65% | -11.01% | -54 bps | |
| Net Interest Margin | 4.27% | 4.22% | 3.54% | 3.30% | 3.43% | -84 bps | |
| Efficiency Ratio | 116.75% | 107.49% | 136.38% | 130.02% | 121.69% | +494 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -4.60% | -1.87% | 2.73% | 0.61% | 2.26% | +685 bps | |
| Loan Growth (YoY) | -20.41% | -18.57% | -16.73% | -21.11% | -20.17% | +24 bps | |
| Share Growth (YoY) | -3.59% | -1.07% | 3.88% | 2.01% | 3.09% | +667 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 4.79% | 4.77% | 4.59% | 4.87% | 5.31% | +51 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.75% | 2.08% | 1.54% | 1.96% | 2.25% | +50 bps | |
| Capital | |||||||
| Risk-Based Capital | 10.90% | 10.88% | 10.81% | 10.13% | 10.39% | -51 bps | |
| Net Worth / Assets | 10.90% | 10.88% | 10.81% | 10.13% | 10.39% | -51 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 48.60% | 44.35% | 39.25% | 36.03% | 37.64% | -1,096 bps | |
| Liquid Assets / Assets | 55.35% | 59.36% | 62.96% | 65.88% | 64.82% | +947 bps | |