Peoria, IL · Charter 24113
Q3 2000
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2000, the quarter ended September 30, 2000, 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.
Peoria, IL · Charter 24113
Q3 2000
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 | Q3 1999 | Q4 1999 | Q1 2000 | Q2 2000 | Q3 2000 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.17% | 1.12% | 1.23% | 1.37% | 1.43% | +26 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Net Interest Margin | 3.32% | 3.24% | 3.34% | 3.45% | 3.50% | +17 bps | |
| Efficiency Ratio | 63.23% | 63.42% | 62.10% | 60.27% | 59.67% | -356 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 9.66% | 9.63% | 5.65% | 4.04% | 5.05% | -461 bps | |
| Loan Growth (YoY) | 12.35% | 11.54% | 10.19% | 8.40% | 6.73% | -563 bps | |
| Share Growth (YoY) | 9.38% | 6.03% | 4.93% | 2.99% | 3.95% | -543 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.32% | 0.42% | 0.31% | 0.31% | 0.40% | +8 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.73% | 0.72% | 0.72% | 0.71% | 0.71% | -2 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 | 90.58% | 91.65% | 89.04% | 91.29% | 93.00% | +242 bps | |
| Liquid Assets / Assets | 10.07% | 6.59% | 5.41% | 6.48% | 6.83% | -324 bps | |