Sidney, IL · Charter 65455
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.
Sidney, IL · Charter 65455
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 | 2.57% | 1.96% | 1.36% | 1.43% | -0.94% | -351 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) | -6.19% | -10.26% | -6.55% | -13.69% | -15.32% | -913 bps | |
| Loan Growth (YoY) | -38.94% | -28.62% | -24.78% | -0.19% | 12.93% | +5,187 bps | |
| Share Growth (YoY) | -9.29% | -13.08% | -9.26% | -16.68% | -17.52% | -822 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 6.48% | 1.18% | 0.00% | 1.78% | 4.59% | -189 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 2.52% | 0.78% | 0.43% | 1.04% | 0.45% | -207 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 | 54.69% | 59.34% | 55.85% | 61.76% | 74.88% | +2,019 bps | |
| Liquid Assets / Assets | 53.39% | 45.00% | 45.95% | 37.46% | 39.05% | -1,434 bps | |