Cicero, IL · Charter 66230
Q2 2001
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2001, the quarter ended June 30, 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.
Cicero, IL · Charter 66230
Q2 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 | Q2 1999 | Q4 1999 | Q2 2000 | Q4 2000 | Q2 2001 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 4.66% | -0.23% | 0.80% | 0.85% | 0.38% | -428 bps | |
| Return on Equity | n/a | n/a | n/a | 2.87% | 0.95% | n/a | |
| Net Interest Margin | n/a | 9.36% | 9.45% | 11.25% | 10.42% | n/a | |
| Efficiency Ratio | n/a | 81.09% | 65.17% | 73.65% | 96.62% | n/a | |
| Growth | |||||||
| Asset Growth (YoY) | 14.33% | 5.06% | -3.40% | -24.77% | -55.20% | -6,953 bps | |
| Loan Growth (YoY) | 74.75% | 27.27% | 54.90% | 90.45% | -38.22% | -11,297 bps | |
| Share Growth (YoY) | 24.21% | 16.18% | -0.96% | -32.21% | -66.51% | -9,072 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 8.36% | 8.14% | 7.87% | 0.92% | 0.94% | -742 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 7.26% | 9.27% | 12.55% | 5.84% | 7.65% | +39 bps | |
| Capital | |||||||
| Risk-Based Capital | n/a | n/a | n/a | 29.52% | 39.97% | n/a | |
| Net Worth / Assets | n/a | n/a | n/a | 29.52% | 39.97% | n/a | |
| Liquidity & Funding | |||||||
| Loans / Shares | 62.40% | 70.64% | 70.12% | 95.22% | 115.10% | +5,269 bps | |
| Liquid Assets / Assets | 44.71% | 40.88% | 0.00% | 33.02% | 34.41% | -1,030 bps | |