Hillside, IL · Charter 81236
Q1 2007
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2007, the quarter ended March 31, 2007, 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.
Hillside, IL · Charter 81236
Q1 2007
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 | Q1 2006 | Q2 2006 | Q3 2006 | Q4 2006 | Q1 2007 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.26% | 2.05% | 2.52% | 2.81% | 2.58% | +132 bps | |
| Return on Equity | 5.14% | 8.41% | 9.76% | 10.65% | 16.52% | +1,137 bps | |
| Net Interest Margin | 3.22% | 3.42% | 3.77% | 3.98% | 4.34% | +112 bps | |
| Efficiency Ratio | 60.88% | 40.05% | 33.04% | 29.57% | 40.67% | -2,021 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -16.90% | -5.01% | 4.29% | 3.94% | 2.03% | +1,893 bps | |
| Loan Growth (YoY) | -20.33% | -30.49% | -25.18% | -14.40% | -16.70% | +363 bps | |
| Share Growth (YoY) | -22.59% | -8.73% | 2.42% | 1.36% | 14.07% | +3,666 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 6.83% | 5.62% | 4.04% | 3.30% | 3.58% | -325 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 7.05% | 7.66% | 6.50% | 6.36% | 7.22% | +17 bps | |
| Capital | |||||||
| Risk-Based Capital | 24.51% | 24.41% | 25.83% | 26.34% | 15.60% | -891 bps | |
| Net Worth / Assets | 24.51% | 24.41% | 25.83% | 26.34% | 15.60% | -891 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 34.22% | 30.58% | 31.38% | 32.01% | 24.99% | -923 bps | |
| Liquid Assets / Assets | 72.63% | 0.00% | 0.00% | 0.00% | 0.00% | -7,263 bps | |