PackageTrendsPeer
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Pekin Area

Pekin, IL · Charter 60875

Q4 2000

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 2000, the quarter ended December 31, 2000, 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

Pekin Area

Pekin, IL · Charter 60875

Q4 2000

$5.0MAssets
$2.8MLoans
$4.2MShares
$764KNet Worth

Executive Summary

  • Earnings: ROA of -1.76%, down 486 bps year over year; NIM at 4.55%.
  • Asset quality: problem loans at 1.26% of loans (-1,279 bps YoY).
  • Capital: net worth / assets of 15.33%.
  • Funding: loans stand at 67.40% of shares as of Q4 2000.

Return on Assets (YTD, annualized)

-1.76%-486 bps YoY

Net Interest Margin (YTD, annualized)

4.55%

Efficiency Ratio (YTD, annualized)

102.19%

Net Worth / Assets

15.33%
n/a

Year to date, annualized, through each quarter.

MetricQ2 1997Q4 1997Q2 1998Q4 1998Q2 1999Q4 1999Q2 2000Q4 2000YoY ΔTrend
Earnings
Return on Assets3.47%3.06%2.84%3.10%2.89%-0.14%-0.81%-1.76%-486 bps
Return on Equityn/an/an/an/an/an/an/a-11.47%n/an/a
Net Interest Marginn/an/an/an/an/a4.86%4.71%4.55%n/a
Efficiency Ration/an/an/an/an/a82.02%93.08%102.19%n/a
Growth
Asset Growth (YoY)-12.21%-7.96%-4.03%-2.11%4.08%-3.36%-9.42%-11.65%-953 bps
Loan Growth (YoY)52.21%59.39%42.44%7.00%-10.69%-13.83%-19.36%-11.57%-1,856 bps
Share Growth (YoY)-14.82%-9.06%-4.69%-2.67%4.90%-3.28%-9.71%-11.97%-930 bps
Asset Quality
Delinquent Loans / Loans1.12%0.67%0.73%14.04%3.23%3.46%0.35%1.26%-1,279 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans1.12%1.76%1.26%0.88%1.01%2.23%2.42%2.43%+156 bps
Capital
Risk-Based Capitaln/an/an/an/an/an/an/a15.33%n/an/a
Net Worth / Assetsn/an/an/an/an/an/an/a15.33%n/an/a
Liquidity & Funding
Loans / Shares76.46%74.86%69.75%67.09%65.10%66.69%62.29%67.40%+31 bps
Liquid Assets / Assets8.34%28.44%32.82%26.01%12.13%14.93%32.64%11.63%-1,437 bps