Homewood, IL · Charter 65336
Q4 2003
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2003, the quarter ended December 31, 2003, 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.
Homewood, IL · Charter 65336
Q4 2003
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 2002 | Q1 2003 | Q2 2003 | Q3 2003 | Q4 2003 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.45% | 0.57% | 0.66% | 0.81% | 0.62% | +17 bps | |
| Return on Equity | 5.08% | 6.61% | 7.54% | 8.84% | 6.79% | +171 bps | |
| Net Interest Margin | 3.63% | 3.26% | 3.21% | 3.37% | 3.37% | -27 bps | |
| Efficiency Ratio | 68.75% | 76.50% | 73.35% | 70.09% | 68.99% | +24 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 16.30% | 20.34% | 14.40% | 9.31% | 3.77% | -1,253 bps | |
| Loan Growth (YoY) | -3.76% | -8.44% | -2.46% | -5.63% | -5.29% | -154 bps | |
| Share Growth (YoY) | 17.50% | 21.78% | 15.52% | 9.70% | 3.44% | -1,405 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 1.47% | 2.16% | 1.95% | 2.70% | 2.72% | +124 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.13% | 1.27% | 1.36% | 1.51% | 2.06% | +93 bps | |
| Capital | |||||||
| Risk-Based Capital | 8.86% | 8.57% | 8.72% | 9.12% | 9.17% | +30 bps | |
| Net Worth / Assets | 8.86% | 8.57% | 8.72% | 9.12% | 9.17% | +30 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 58.70% | 54.01% | 54.26% | 53.74% | 53.74% | -496 bps | |
| Liquid Assets / Assets | 45.79% | 43.21% | 37.18% | 50.47% | 50.84% | +505 bps | |