Moline, IL · Charter 81608
Q4 1998
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 1998, the quarter ended December 31, 1998, 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.
Moline, IL · Charter 81608
Q4 1998
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 | Q4 1996 | Q2 1997 | Q4 1997 | Q2 1998 | Q4 1998 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 3.46% | 2.81% | 3.11% | 1.86% | 1.82% | -164 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Net Interest Margin | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Efficiency Ratio | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Growth | |||||||
| Asset Growth (YoY) | -15.16% | -4.42% | -10.64% | -13.89% | -15.40% | -23 bps | |
| Loan Growth (YoY) | -3.87% | 3.12% | -0.02% | -3.53% | 9.93% | +1,380 bps | |
| Share Growth (YoY) | -18.65% | -3.90% | -13.37% | -16.76% | -18.78% | -13 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.69% | 0.59% | 7.45% | 6.94% | 0.32% | -37 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 3.39% | 3.25% | 3.50% | 3.16% | 1.08% | -231 bps | |
| Capital | |||||||
| Risk-Based Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Net Worth / Assets | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Liquidity & Funding | |||||||
| Loans / Shares | 67.56% | 69.37% | 73.59% | 78.35% | 91.44% | +2,388 bps | |
| Liquid Assets / Assets | 46.17% | 44.57% | 36.32% | 37.57% | 27.70% | -1,847 bps | |