PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Citizens Equity

Peoria, IL · Charter 24113

Q3 2000

$1.9BAssets
$1.6BLoans
$1.7BShares
n/aNet 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 1.43%, up 26 bps year over year; NIM at 3.50%.
  • Asset quality: problem loans at 0.40% of loans (+8 bps YoY).
  • Funding: loans stand at 93.00% of shares as of Q3 2000.

Financial Results

Return on Assets (YTD, annualized)

1.43%+26 bps YoY

Net Interest Margin (YTD, annualized)

3.50%+17 bps YoY

Efficiency Ratio (YTD, annualized)

59.67%-356 bps YoY

Net Worth / Assets

n/a

Year to date, annualized, through each quarter.

MetricQ3 1999Q4 1999Q1 2000Q2 2000Q3 2000YoY ΔTrend
Earnings
Return on Assets1.17%1.12%1.23%1.37%1.43%+26 bps
Return on Equityn/an/an/an/an/an/an/a
Net Interest Margin3.32%3.24%3.34%3.45%3.50%+17 bps
Efficiency Ratio63.23%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 / Loans0.32%0.42%0.31%0.31%0.40%+8 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.73%0.72%0.72%0.71%0.71%-2 bps
Capital
Risk-Based Capitaln/an/an/an/an/an/an/a
Net Worth / Assetsn/an/an/an/an/an/an/a
Liquidity & Funding
Loans / Shares90.58%91.65%89.04%91.29%93.00%+242 bps
Liquid Assets / Assets10.07%6.59%5.41%6.48%6.83%-324 bps