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Consolidated Financial

Burbank, IL · Charter 68518

Q1 2004

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, not published for this institution and quartern/a

Basis

Quarter: Q1 2004, the quarter ended March 31, 2004, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

No peer standings are published for this institution and quarter.

Peer groups below the disclosure floor are suppressed.

Source: NCUA 5300 Call Report, as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Consolidated Financial

Burbank, IL · Charter 68518

Q1 2004

$4.9MAssets
$3.4MLoans
$4.3MShares
$561KNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of -2.25%, up 737 bps year over year; NIM at 5.53%.
  • Asset quality: problem loans at 15.69% of loans (-925 bps YoY).
  • Capital: net worth / assets of 11.42%, down 908 bps from a year ago.
  • Funding: loans stand at 79.84% of shares as of Q1 2004.

Financial Results

Return on Assets (YTD, annualized)

-2.25%+737 bps YoY

Net Interest Margin (YTD, annualized)

5.53%-113 bps YoY

Efficiency Ratio (YTD, annualized)

135.25%+2,333 bps YoY

Net Worth / Assets

11.42%-908 bps YoY

Year to date, annualized, through each quarter.

MetricQ1 2003Q2 2003Q3 2003Q4 2003Q1 2004YoY ΔTrend
Earnings
Return on Assets-9.62%-8.20%-8.53%-13.62%-2.25%+737 bps
Return on Equity-46.92%-45.03%-50.00%-119.08%-19.72%+2,720 bps
Net Interest Margin6.66%5.72%5.67%5.85%5.53%-113 bps
Efficiency Ratio111.91%125.33%135.14%149.30%135.25%+2,333 bps
Growth
Asset Growth (YoY)n/an/an/an/a-12.75%n/an/a
Loan Growth (YoY)n/an/an/an/a-10.15%n/an/a
Share Growth (YoY)n/an/an/an/a-2.76%n/an/a
Asset Quality
Delinquent Loans / Loans24.95%28.47%27.57%17.54%15.69%-925 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans6.82%8.72%10.37%9.44%7.06%+24 bps
Capital
Risk-Based Capital20.50%18.21%17.06%11.44%11.42%-908 bps
Net Worth / Assets20.50%18.21%17.06%11.44%11.42%-908 bps
Liquidity & Funding
Loans / Shares86.41%74.39%73.28%72.54%79.84%-656 bps
Liquid Assets / Assets18.98%28.86%29.29%25.70%17.31%-167 bps