PackageTrendsPeer
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Rich Township School Employees

Park Forest, IL · Charter 65007

Q4 2002

$1.1MAssets
$522KLoans
$974KShares
$122KNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of 0.39%, down 6 bps year over year; NIM at 3.53%.
  • Asset quality: problem loans at 0.89% of loans (+51 bps YoY).
  • Capital: net worth / assets of 11.15%, up 85 bps from a year ago.
  • Funding: loans stand at 53.62% of shares as of Q4 2002.

Financial Results

Return on Assets (quarter, annualized)

0.39%-6 bps YoY

Net Interest Margin (quarter, annualized)

3.53%-5 bps YoY

Efficiency Ratio (quarter, annualized)

89.11%+141 bps YoY

Net Worth / Assets

11.15%+85 bps YoY

Discrete quarter, annualized.

MetricQ2 2001Q4 2001Q2 2002Q3 2002Q4 2002YoY ΔTrend
Earnings
Return on Assets0.46%0.69%0.38%0.50%0.39%-6 bps
Return on Equity4.45%5.92%3.76%4.26%3.53%-91 bps
Net Interest Margin3.59%3.81%3.41%3.89%3.53%-5 bps
Efficiency Ratio87.70%82.93%89.09%87.33%89.11%+141 bps
Growth
Asset Growth (YoY)15.99%2.09%12.71%1.59%-2.11%-1,810 bps
Loan Growth (YoY)16.15%29.01%21.31%41.65%5.27%-1,088 bps
Share Growth (YoY)16.77%1.16%13.22%0.90%-3.10%-1,987 bps
Asset Quality
Delinquent Loans / Loans0.39%0.10%0.08%0.95%0.89%+51 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans9.07%8.16%8.62%8.26%8.59%-48 bps
Capital
Risk-Based Capital10.30%11.60%10.16%11.83%11.15%+85 bps
Net Worth / Assets10.30%11.60%10.16%11.83%11.15%+85 bps
Liquidity & Funding
Loans / Shares49.36%61.19%49.01%59.87%53.62%+426 bps
Liquid Assets / Assets57.81%48.26%57.70%43.65%54.41%-340 bps