Naperville, IL · Charter 65915
Q4 2001
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2001, the quarter ended December 31, 2001, 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.
Naperville, IL · Charter 65915
Q4 2001
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 | Q4 1999 | Q2 2000 | Q4 2000 | Q2 2001 | Q4 2001 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.90% | 0.39% | 0.53% | -3.17% | -6.04% | -794 bps | |
| Return on Equity | n/a | n/a | 4.57% | -33.74% | -181.22% | n/a | |
| Net Interest Margin | 3.99% | 4.04% | 3.85% | 3.84% | 3.41% | -58 bps | |
| Efficiency Ratio | 50.55% | 87.66% | 87.11% | 76.55% | 146.99% | +9,644 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 21.82% | 17.80% | 5.94% | 6.58% | 18.32% | -349 bps | |
| Loan Growth (YoY) | 32.92% | 17.88% | 11.79% | 2.17% | -1.50% | -3,443 bps | |
| Share Growth (YoY) | 18.93% | 15.97% | 3.67% | 8.01% | 25.35% | +642 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 1.66% | 7.95% | 8.33% | 7.33% | 6.24% | +458 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.88% | 1.01% | 0.17% | 2.51% | 4.69% | +381 bps | |
| Capital | |||||||
| Risk-Based Capital | n/a | n/a | 11.65% | 9.38% | 3.33% | n/a | |
| Net Worth / Assets | n/a | n/a | 11.65% | 9.38% | 3.33% | n/a | |
| Liquidity & Funding | |||||||
| Loans / Shares | 92.72% | 97.20% | 101.16% | 93.23% | 72.86% | -1,986 bps | |
| Liquid Assets / Assets | 6.31% | 7.13% | 7.79% | 14.61% | 32.18% | +2,587 bps | |