Hillsboro, IL · Charter 65721
Q2 1998
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 1998, the quarter ended June 30, 1998, 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.
Hillsboro, IL · Charter 65721
Q2 1998
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 1996 | Q4 1996 | Q2 1997 | Q4 1997 | Q2 1998 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.95% | 1.39% | 1.70% | 2.01% | 0.40% | -55 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) | 5.63% | -5.36% | -8.96% | -11.14% | -23.25% | -2,888 bps | |
| Loan Growth (YoY) | 0.86% | -12.64% | -12.68% | -19.46% | -12.06% | -1,292 bps | |
| Share Growth (YoY) | 3.71% | -6.22% | -10.42% | -14.68% | -24.79% | -2,849 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.75% | 0.40% | 0.37% | 4.56% | 9.65% | +890 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 2.27% | 2.96% | 2.82% | 3.41% | 3.56% | +128 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 | 60.30% | 73.99% | 64.71% | 84.51% | 70.50% | +1,020 bps | |
| Liquid Assets / Assets | 34.01% | 18.71% | 34.80% | 12.09% | 30.97% | -304 bps | |