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Pantagraph Printing&Sta Co. Emp

Bloomington, IL · Charter 60029

Q3 2002

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: Q3 2002, the quarter ended September 30, 2002, 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 2026-10-10

Pantagraph Printing&Sta Co. Emp

Bloomington, IL · Charter 60029

Q3 2002

$448KAssets
$276KLoans
$381KShares
$67KNet 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 0.17%, down 58 bps year over year; NIM at 5.06%.
  • Asset quality: problem loans at 1.06% of loans (-1,525 bps YoY).
  • Capital: net worth / assets of 14.92%, down 171 bps from a year ago.
  • Funding: loans stand at 72.48% of shares as of Q3 2002.

Financial Results

Return on Assets (YTD, annualized)

0.17%-58 bps YoY

Net Interest Margin (YTD, annualized)

5.06%-112 bps YoY

Efficiency Ratio (YTD, annualized)

96.73%+1,183 bps YoY

Net Worth / Assets

14.92%-171 bps YoY

Year to date, annualized, through each quarter.

MetricQ4 2000Q2 2001Q4 2001Q2 2002Q3 2002YoY ΔTrend
Earnings
Return on Assets0.75%0.17%-2.89%0.05%0.17%-58 bps
Return on Equity4.50%1.02%-20.02%0.37%1.13%-337 bps
Net Interest Margin6.18%4.93%5.35%4.94%5.06%-112 bps
Efficiency Ratio84.90%96.67%97.22%98.98%96.73%+1,183 bps
Growth
Asset Growth (YoY)-11.74%-14.47%-7.91%-1.16%-5.69%+605 bps
Loan Growth (YoY)-34.86%-17.63%-25.83%-16.17%-8.45%+2,641 bps
Share Growth (YoY)-7.16%-10.19%-7.20%1.46%-3.74%+342 bps
Asset Quality
Delinquent Loans / Loans16.32%13.15%0.33%0.20%1.06%-1,525 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans6.75%6.32%2.88%5.16%5.53%-122 bps
Capital
Risk-Based Capital16.64%16.34%14.44%14.10%14.92%-171 bps
Net Worth / Assets16.64%16.34%14.44%14.10%14.92%-171 bps
Liquidity & Funding
Loans / Shares76.21%82.11%75.24%72.98%72.48%-373 bps
Liquid Assets / Assets37.08%32.35%34.33%38.02%39.03%+195 bps