PackageTrendsPeer
Letter portraitLegal landscape

GNB Employees

Kankakee, IL · Charter 60140

Q4 2001

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: Q4 2001, the quarter ended December 31, 2001, 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

GNB Employees

Kankakee, IL · Charter 60140

Q4 2001

$3.8MAssets
$2.1MLoans
$3.0MShares
$807KNet Worth

Executive Summary

  • Earnings: ROA of 1.72%, up 72 bps year over year; NIM at 4.40%.
  • Asset quality: problem loans at 3.81% of loans (+327 bps YoY).
  • Capital: net worth / assets of 21.01%.
  • Funding: loans stand at 70.43% of shares as of Q4 2001.

Return on Assets (YTD, annualized)

1.72%+72 bps YoY

Net Interest Margin (YTD, annualized)

4.40%+133 bps YoY

Efficiency Ratio (YTD, annualized)

63.16%-512 bps YoY

Net Worth / Assets

21.01%

Year to date, annualized, through each quarter.

MetricQ2 1998Q4 1998Q2 1999Q4 1999Q2 2000Q4 2000Q2 2001Q4 2001YoY ΔTrend
Earnings
Return on Assets4.88%4.79%4.54%1.00%1.60%1.81%2.00%1.72%+72 bps
Return on Equityn/an/an/an/an/a8.83%9.90%8.18%n/a
Net Interest Marginn/an/an/a3.07%3.72%4.20%4.35%4.40%+133 bps
Efficiency Ration/an/an/a68.28%58.55%51.91%57.31%63.16%-512 bps
Growth
Asset Growth (YoY)2.67%4.79%10.75%12.33%11.84%3.19%2.88%5.22%-712 bps
Loan Growth (YoY)-20.19%-8.59%-7.64%-3.06%24.89%49.86%57.15%38.01%+4,106 bps
Share Growth (YoY)-0.52%1.99%9.77%12.21%11.25%0.42%-0.25%2.02%-1,019 bps
Asset Quality
Delinquent Loans / Loans0.19%0.29%0.24%0.54%0.38%0.00%0.79%3.81%+327 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans1.31%1.27%1.26%0.39%0.44%0.64%0.63%0.48%+8 bps
Capital
Risk-Based Capitaln/an/an/an/an/a20.51%20.24%21.01%n/a
Net Worth / Assetsn/an/an/an/an/a20.51%20.24%21.01%n/a
Liquidity & Funding
Loans / Shares53.38%53.24%50.02%52.06%59.92%79.45%78.81%70.43%+1,837 bps
Liquid Assets / Assets45.36%42.37%49.83%51.00%47.55%33.46%34.22%41.81%-919 bps