Evergreen Park, IL · Charter 81409
Q1 2013
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2013, the quarter ended March 31, 2013, 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.
Evergreen Park, IL · Charter 81409
Q1 2013
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 2012 | Q2 2012 | Q3 2012 | Q4 2012 | Q1 2013 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -0.50% | -0.11% | -0.10% | -0.11% | -2.11% | -161 bps | |
| Return on Equity | -4.12% | -0.94% | -0.90% | -0.96% | -18.97% | -1,485 bps | |
| Net Interest Margin | 2.55% | 2.38% | 2.37% | 2.48% | 2.39% | -16 bps | |
| Efficiency Ratio | 99.91% | 94.78% | 97.75% | 98.81% | 179.42% | +7,952 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 2.38% | 5.62% | 1.85% | 4.15% | 5.03% | +264 bps | |
| Loan Growth (YoY) | -22.96% | -21.77% | -21.34% | -20.62% | -17.85% | +511 bps | |
| Share Growth (YoY) | 4.03% | 7.55% | 2.78% | 4.87% | 6.65% | +262 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 1.65% | 1.80% | 2.43% | 1.48% | 1.50% | -15 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 3.18% | 3.41% | 3.51% | 3.40% | 4.13% | +96 bps | |
| Capital | |||||||
| Risk-Based Capital | 12.24% | 11.42% | 11.54% | 11.92% | 11.13% | -111 bps | |
| Net Worth / Assets | 12.24% | 11.42% | 11.54% | 11.92% | 11.13% | -111 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 30.39% | 27.28% | 26.44% | 26.96% | 23.41% | -698 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |