Lombard, IL · Charter 65837
Q2 2007
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2007, the quarter ended June 30, 2007, 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.
Lombard, IL · Charter 65837
Q2 2007
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 2006 | Q3 2006 | Q4 2006 | Q1 2007 | Q2 2007 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -0.75% | -0.12% | -0.82% | 0.52% | 0.41% | +116 bps | |
| Return on Equity | -4.06% | -0.62% | -4.51% | 2.75% | 1.99% | +605 bps | |
| Net Interest Margin | 4.68% | 4.88% | 4.88% | 5.23% | 5.39% | +71 bps | |
| Efficiency Ratio | 99.54% | 92.32% | 93.86% | 90.40% | 92.64% | -690 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 7.58% | -6.10% | -1.28% | -0.85% | -12.65% | -2,023 bps | |
| Loan Growth (YoY) | 69.02% | 36.42% | 19.66% | -2.81% | -11.63% | -8,065 bps | |
| Share Growth (YoY) | 11.32% | -6.22% | -0.43% | -0.15% | -15.08% | -2,639 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 4.57% | 4.65% | 4.20% | 3.46% | 0.50% | -406 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 5.87% | 5.87% | 5.99% | 5.28% | 2.64% | -323 bps | |
| Capital | |||||||
| Risk-Based Capital | 18.35% | 19.12% | 18.31% | 18.93% | 20.72% | +237 bps | |
| Net Worth / Assets | 18.35% | 19.12% | 18.31% | 18.93% | 20.72% | +237 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 99.65% | 103.22% | 108.34% | 101.60% | 103.69% | +404 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |