PackageTrendsPeer
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Northwest Central

Hoffman Estates, IL · Charter 61193

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 2026-10-10

Northwest Central

Hoffman Estates, IL · Charter 61193

Q4 2000

$172KAssets
$72KLoans
$130KShares
$42KNet Worth

Executive Summary

  • Earnings: ROA of 0.09%, down 277 bps year over year; NIM at 7.60%.
  • Asset quality: problem loans at 0.94% of loans (+94 bps YoY).
  • Capital: net worth / assets of 24.44%.
  • Funding: loans stand at 55.14% of shares as of Q4 2000.

Return on Assets (YTD, annualized)

0.09%-277 bps YoY

Net Interest Margin (YTD, annualized)

7.60%

Efficiency Ratio (YTD, annualized)

98.80%

Net Worth / Assets

24.44%
n/a

Year to date, annualized, through each quarter.

MetricQ2 1997Q4 1997Q2 1998Q4 1998Q2 1999Q4 1999Q2 2000Q4 2000YoY ΔTrend
Earnings
Return on Assets1.66%2.46%3.02%2.86%1.45%0.13%0.54%0.09%-277 bps
Return on Equityn/an/an/an/an/an/an/a0.39%n/an/a
Net Interest Marginn/an/an/an/an/a6.14%6.64%7.60%n/a
Efficiency Ration/an/an/an/an/a97.93%91.92%98.80%n/a
Growth
Asset Growth (YoY)-5.97%-8.08%-4.98%-9.72%-20.78%-19.16%-26.25%-31.49%-2,177 bps
Loan Growth (YoY)-23.15%-13.57%-11.24%-23.02%-26.45%-47.50%-41.87%-40.15%-1,713 bps
Share Growth (YoY)-6.94%-8.86%-4.89%-10.53%-24.03%-23.25%-31.48%-37.95%-2,742 bps
Asset Quality
Delinquent Loans / Loans7.14%6.45%1.00%0.00%7.57%14.41%1.53%0.94%+94 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans7.37%6.68%7.80%8.79%10.02%12.73%13.42%14.68%+589 bps
Capital
Risk-Based Capitaln/an/an/an/an/an/an/a24.44%n/an/a
Net Worth / Assetsn/an/an/an/an/an/an/a24.44%n/an/a
Liquidity & Funding
Loans / Shares58.44%68.49%59.20%57.16%56.58%46.85%50.22%55.14%-202 bps
Liquid Assets / Assets49.64%40.07%49.01%52.54%46.80%62.17%56.05%52.20%-34 bps