Cicero, IL · Charter 65260
Q2 1999
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 1999, the quarter ended June 30, 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.
Cicero, IL · Charter 65260
Q2 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 | Q2 1997 | Q4 1997 | Q2 1998 | Q4 1998 | Q2 1999 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 2.46% | 2.09% | -2.08% | -0.58% | -11.45% | -1,392 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 | n/a | n/a | n/a |
| Efficiency Ratio | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Growth | |||||||
| Asset Growth (YoY) | -22.10% | -20.22% | -18.29% | -18.61% | -32.82% | -1,071 bps | |
| Loan Growth (YoY) | -8.98% | -31.29% | -43.42% | -51.91% | -57.58% | -4,860 bps | |
| Share Growth (YoY) | -23.25% | -19.81% | -16.30% | -20.05% | -31.35% | -810 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.44% | 0.53% | 2.68% | 0.00% | 0.00% | -44 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 2.49% | 2.94% | 4.45% | 4.48% | 10.21% | +772 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 | 68.82% | 68.61% | 54.59% | 47.29% | 42.52% | -2,630 bps | |
| Liquid Assets / Assets | 36.75% | 37.30% | 29.48% | 46.61% | 33.64% | -311 bps | |