Danville, IL · Charter 65937
Q3 2004
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2004, the quarter ended September 30, 2004, 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 65937
Q3 2004
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 | Q3 2003 | Q4 2003 | Q1 2004 | Q2 2004 | Q3 2004 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 4.61% | 0.01% | 3.55% | 4.54% | 4.77% | +16 bps | |
| Return on Equity | 26.74% | 0.06% | 23.05% | 26.80% | 25.36% | -138 bps | |
| Net Interest Margin | 6.30% | 4.80% | 6.05% | 6.26% | 6.31% | +1 bps | |
| Efficiency Ratio | 37.58% | 99.56% | 49.51% | 38.01% | 35.37% | -222 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -10.00% | -12.17% | -10.44% | -6.60% | -9.42% | +59 bps | |
| Loan Growth (YoY) | 17.75% | 22.63% | 8.07% | -4.58% | -19.27% | -3,702 bps | |
| Share Growth (YoY) | -11.00% | -13.51% | -12.26% | -7.79% | -11.13% | -12 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.00% | 0.19% | 0.21% | 0.00% | 0.77% | +77 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.49% | 0.53% | 1.60% | 1.54% | 1.81% | +132 bps | |
| Capital | |||||||
| Risk-Based Capital | 17.25% | 15.07% | 15.40% | 16.96% | 18.81% | +156 bps | |
| Net Worth / Assets | 17.25% | 15.07% | 15.40% | 16.96% | 18.81% | +156 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 47.29% | 51.73% | 44.37% | 47.51% | 42.96% | -433 bps | |
| Liquid Assets / Assets | 58.16% | 55.25% | 61.18% | 59.25% | 63.78% | +562 bps | |