Decatur, IL · Charter 15917
Q2 2001
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2001, the quarter ended June 30, 2001, 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.
Decatur, IL · Charter 15917
Q2 2001
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 | Q2 1999 | Q4 1999 | Q2 2000 | Q4 2000 | Q2 2001 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 3.69% | 0.16% | 1.17% | 0.59% | 0.93% | -276 bps | |
| Return on Equity | n/a | n/a | n/a | 2.91% | 4.92% | n/a | |
| Net Interest Margin | n/a | 3.79% | 3.52% | 4.45% | 3.72% | n/a | |
| Efficiency Ratio | n/a | 83.14% | 68.43% | 67.84% | 73.97% | n/a | |
| Growth | |||||||
| Asset Growth (YoY) | 14.75% | 11.00% | 16.88% | -2.02% | 2.03% | -1,272 bps | |
| Loan Growth (YoY) | 0.63% | -14.48% | -19.05% | -26.23% | -19.98% | -2,061 bps | |
| Share Growth (YoY) | 14.51% | 11.56% | 19.82% | -3.70% | 1.41% | -1,310 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.00% | 0.00% | 1.38% | 0.65% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.00% | 1.02% | 1.09% | 2.13% | 2.52% | +252 bps | |
| Capital | |||||||
| Risk-Based Capital | n/a | n/a | n/a | 20.37% | 18.86% | n/a | |
| Net Worth / Assets | n/a | n/a | n/a | 20.37% | 18.86% | n/a | |
| Liquidity & Funding | |||||||
| Loans / Shares | 66.50% | 61.84% | 55.04% | 62.53% | 52.48% | -1,402 bps | |
| Liquid Assets / Assets | 41.31% | 43.74% | 49.57% | 50.52% | 57.53% | +1,622 bps | |