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Knox College

Galesburg, IL · Charter 60515

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

Knox College

Galesburg, IL · Charter 60515

Q4 2001

$870KAssets
$537KLoans
$750KShares
$120KNet Worth

Executive Summary

  • Earnings: ROA of 0.14%, down 60 bps year over year; NIM at 3.96%.
  • Asset quality: problem loans at 5.08% of loans (+425 bps YoY).
  • Capital: net worth / assets of 13.79%.
  • Funding: loans stand at 71.68% of shares as of Q4 2001.

Return on Assets (YTD, annualized)

0.14%-60 bps YoY

Net Interest Margin (YTD, annualized)

3.96%-68 bps YoY

Efficiency Ratio (YTD, annualized)

78.25%+1,461 bps YoY

Net Worth / Assets

13.79%

Year to date, annualized, through each quarter.

MetricQ2 1998Q4 1998Q2 1999Q4 1999Q2 2000Q4 2000Q2 2001Q4 2001YoY ΔTrend
Earnings
Return on Assets3.63%4.19%4.04%0.74%0.93%0.82%-0.44%0.14%-60 bps
Return on Equityn/an/an/an/an/a5.48%-3.22%1.01%n/a
Net Interest Marginn/an/an/a4.64%4.44%5.15%4.27%3.96%-68 bps
Efficiency Ration/an/an/a63.64%79.99%67.86%91.75%78.25%+1,461 bps
Growth
Asset Growth (YoY)-9.75%7.74%18.34%16.37%26.95%-3.75%-1.91%4.90%-1,147 bps
Loan Growth (YoY)-14.19%-5.19%20.97%14.99%50.63%40.24%-8.70%-14.05%-2,904 bps
Share Growth (YoY)-14.01%5.27%16.84%15.96%27.96%-6.06%-2.93%4.58%-1,138 bps
Asset Quality
Delinquent Loans / Loans1.29%0.81%0.44%0.83%0.67%1.07%0.46%5.08%+425 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans0.62%0.07%0.06%0.81%0.72%0.94%1.58%2.25%+144 bps
Capital
Risk-Based Capitaln/an/an/an/an/a14.91%13.52%13.79%n/a
Net Worth / Assetsn/an/an/an/an/a14.91%13.52%13.79%n/a
Liquidity & Funding
Loans / Shares73.42%69.83%78.81%87.22%86.42%104.24%74.12%71.68%-1,554 bps
Liquid Assets / Assets29.90%33.95%24.61%19.31%14.62%10.01%35.05%37.82%+1,851 bps