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Letter portraitLegal landscape

Du Kane Employees

St Charles, IL · Charter 81086

Q4 2003

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: Q4 2003, the quarter ended December 31, 2003, 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

Du Kane Employees

St Charles, IL · Charter 81086

Q4 2003

$932KAssets
$395KLoans
$741KShares
$191KNet 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 0.20%, up 53 bps year over year; NIM at 2.61%.
  • Asset quality: problem loans at 7.98% of loans (+710 bps YoY).
  • Capital: net worth / assets of 20.47%, up 387 bps from a year ago.
  • Funding: loans stand at 53.31% of shares as of Q4 2003.

Financial Results

Return on Assets (YTD, annualized)

0.20%+53 bps YoY

Net Interest Margin (YTD, annualized)

2.61%+81 bps YoY

Efficiency Ratio (YTD, annualized)

92.42%-2,621 bps YoY

Net Worth / Assets

20.47%+387 bps YoY

Year to date, annualized, through each quarter.

MetricQ4 2002Q1 2003Q2 2003Q3 2003Q4 2003YoY ΔTrend
Earnings
Return on Assets-0.34%0.12%0.08%0.05%0.20%+53 bps
Return on Equity-2.02%0.73%0.46%0.25%0.97%+298 bps
Net Interest Margin1.80%2.16%2.16%2.34%2.61%+81 bps
Efficiency Ratio118.63%94.31%96.28%97.98%92.42%-2,621 bps
Growth
Asset Growth (YoY)11.09%-8.80%-15.56%-18.64%-18.13%-2,921 bps
Loan Growth (YoY)-24.58%-22.96%3.22%1.28%-1.92%+2,266 bps
Share Growth (YoY)14.30%-10.09%-18.67%-22.11%-21.93%-3,623 bps
Asset Quality
Delinquent Loans / Loans0.89%2.18%1.57%1.19%7.98%+710 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans4.73%4.76%4.51%4.56%4.83%+9 bps
Capital
Risk-Based Capital16.60%16.84%17.55%18.71%20.47%+387 bps
Net Worth / Assets16.60%16.84%17.55%18.71%20.47%+387 bps
Liquidity & Funding
Loans / Shares42.43%42.91%47.59%50.80%53.31%+1,087 bps
Liquid Assets / Assets64.16%63.66%60.34%58.34%57.40%-675 bps