Danville, IL · Charter 65765
Q2 2003
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2003, the quarter ended June 30, 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.
Danville, IL · Charter 65765
Q2 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 | Q2 2002 | Q3 2002 | Q4 2002 | Q1 2003 | Q2 2003 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -2.17% | -1.95% | -1.63% | -1.00% | -1.13% | +104 bps | |
| Return on Equity | -13.22% | -12.17% | -10.20% | -6.23% | -7.18% | +605 bps | |
| Net Interest Margin | 1.39% | 2.23% | 2.36% | 2.94% | 2.70% | +131 bps | |
| Efficiency Ratio | 214% | 161.79% | 150.71% | 104.64% | 109.88% | -10,435 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 3.50% | 20.06% | 13.52% | -1.24% | -2.79% | -629 bps | |
| Loan Growth (YoY) | -34.13% | -23.01% | -28.86% | -20.92% | -12.43% | +2,170 bps | |
| Share Growth (YoY) | 7.00% | 29.33% | 20.33% | 0.88% | -1.76% | -876 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 2.73% | 7.92% | 3.46% | 7.89% | 5.99% | +326 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 4.00% | 4.37% | 2.57% | 3.11% | 3.77% | -23 bps | |
| Capital | |||||||
| Risk-Based Capital | 16.44% | 16.02% | 16.02% | 16.01% | 15.80% | -64 bps | |
| Net Worth / Assets | 16.44% | 16.02% | 16.02% | 16.01% | 15.80% | -64 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 49.40% | 48.67% | 43.85% | 44.99% | 44.03% | -537 bps | |
| Liquid Assets / Assets | 58.15% | 58.61% | 61.69% | 60.65% | 61.64% | +349 bps | |