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Haymarket

Chicago, IL · Charter 95051

Q1 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: Q1 2003, the quarter ended March 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

Haymarket

Chicago, IL · Charter 95051

Q1 2003

$254KAssets
$164KLoans
$229KShares
$21KNet 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 -16.30%, down 1,768 bps year over year; NIM at 10.76%.
  • Asset quality: problem loans at 16.93% of loans (+312 bps YoY).
  • Capital: net worth / assets of 8.41%, down 563 bps from a year ago.
  • Funding: loans stand at 71.62% of shares as of Q1 2003.

Financial Results

Return on Assets (YTD, annualized)

-16.30%-1,768 bps YoY

Net Interest Margin (YTD, annualized)

10.76%-44 bps YoY

Efficiency Ratio (YTD, annualized)

260%+17,156 bps YoY

Net Worth / Assets

8.41%-563 bps YoY

Year to date, annualized, through each quarter.

MetricQ4 2001Q2 2002Q3 2002Q4 2002Q1 2003YoY ΔTrend
Earnings
Return on Assets1.38%1.37%1.92%-5.37%-16.30%-1,768 bps
Return on Equity9.81%8.81%11.37%-49.16%-193.71%-20,352 bps
Net Interest Margin11.20%11.11%11.55%10.24%10.76%-44 bps
Efficiency Ratio87.98%87.96%83.90%99.18%260%+17,156 bps
Growth
Asset Growth (YoY)-18.64%-22.01%-18.42%-23.27%-26.52%-788 bps
Loan Growth (YoY)-7.86%-23.00%-30.65%-30.98%-35.06%-2,720 bps
Share Growth (YoY)-19.54%-23.06%-24.25%-21.86%-22.92%-337 bps
Asset Quality
Delinquent Loans / Loans13.81%19.22%18.26%19.23%16.93%+312 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans6.40%7.89%8.13%13.62%11.30%+490 bps
Capital
Risk-Based Capital14.05%15.55%16.86%10.93%8.41%-563 bps
Net Worth / Assets14.05%15.55%16.86%10.93%8.41%-563 bps
Liquidity & Funding
Loans / Shares85.01%79.51%81.67%80.54%71.62%-1,339 bps
Liquid Assets / Assets28.80%35.70%35.39%36.35%41.26%+1,246 bps