Rockford, IL · Charter 65355
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.
Rockford, IL · Charter 65355
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 | -0.74% | 0.14% | 0.17% | 0.19% | 0.01% | +75 bps | |
| Return on Equity | -5.01% | 0.96% | 1.12% | 1.04% | 0.05% | +506 bps | |
| Net Interest Margin | 5.44% | 5.02% | 5.23% | 5.89% | 6.05% | +62 bps | |
| Efficiency Ratio | 100.25% | 97.50% | 97.12% | 92.79% | 94.01% | -624 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -25.14% | -11.47% | -19.49% | -22.54% | -21.10% | +404 bps | |
| Loan Growth (YoY) | -16.99% | -15.88% | 6.18% | 1.99% | -2.79% | +1,419 bps | |
| Share Growth (YoY) | -30.82% | -12.87% | -22.47% | -26.21% | -21.37% | +945 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 1.06% | 1.41% | 0.68% | 2.85% | 5.35% | +429 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 3.27% | 3.15% | 2.93% | 3.14% | 2.94% | -33 bps | |
| Capital | |||||||
| Risk-Based Capital | 14.81% | 14.37% | 15.58% | 17.88% | 18.78% | +397 bps | |
| Net Worth / Assets | 14.81% | 14.37% | 15.58% | 17.88% | 18.78% | +397 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 70.67% | 62.67% | 76.74% | 87.55% | 87.36% | +1,669 bps | |
| Liquid Assets / Assets | 4.61% | 9.87% | 9.04% | 26.99% | 27.89% | +2,328 bps | |