Lasalle, IL · Charter 65622
Q1 2014
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2014, the quarter ended March 31, 2014, 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.
Lasalle, IL · Charter 65622
Q1 2014
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 | Q1 2013 | Q2 2013 | Q3 2013 | Q4 2013 | Q1 2014 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -0.31% | -1.57% | -0.47% | -0.44% | -1.10% | -79 bps | |
| Return on Equity | -1.56% | -7.90% | -2.18% | -2.09% | -4.77% | -321 bps | |
| Net Interest Margin | 1.80% | 1.83% | 1.87% | 1.79% | 1.49% | -30 bps | |
| Efficiency Ratio | 117.26% | 114.84% | 125.15% | 124.70% | 173.60% | +5,634 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -6.01% | -11.61% | -8.17% | -7.91% | -15.95% | -995 bps | |
| Loan Growth (YoY) | -12.20% | -13.90% | -9.59% | 7.01% | 26.78% | +3,899 bps | |
| Share Growth (YoY) | -6.86% | -13.27% | -9.79% | -9.38% | -19.24% | -1,238 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 1.01% | 4.58% | 4.26% | 0.00% | 0.00% | -101 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.79% | 3.91% | 1.82% | 1.60% | 1.41% | -38 bps | |
| Capital | |||||||
| Risk-Based Capital | 19.93% | 19.94% | 21.54% | 21.09% | 23.04% | +311 bps | |
| Net Worth / Assets | 19.93% | 19.94% | 21.54% | 21.09% | 23.04% | +311 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 38.21% | 38.96% | 42.10% | 46.81% | 59.98% | +2,177 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |