Beardstown, IL · Charter 61858
Q4 2001
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Net Worth / Assets
Year to date, annualized, through each quarter.
| Metric | Q4 1999 | Q2 2000 | Q4 2000 | Q2 2001 | Q4 2001 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.27% | -1.84% | -2.79% | -0.80% | -3.19% | -346 bps | |
| Return on Equity | n/a | n/a | -18.99% | -6.05% | -33.31% | n/a | |
| Net Interest Margin | 7.67% | 4.14% | 6.67% | 7.88% | 6.98% | -69 bps | |
| Efficiency Ratio | 96.52% | 139.05% | 111.25% | 109.07% | 124.30% | +2,777 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -3.72% | -1.49% | -2.74% | -7.64% | 8.82% | +1,254 bps | |
| Loan Growth (YoY) | -13.08% | 14.13% | 4.08% | 31.20% | 20.88% | +3,397 bps | |
| Share Growth (YoY) | -4.12% | -0.90% | 0.31% | -5.73% | 17.55% | +2,167 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 3.07% | 2.71% | 0.91% | 0.88% | 7.43% | +437 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.50% | 1.32% | 1.56% | 1.51% | 2.64% | +114 bps | |
| Capital | |||||||
| Risk-Based Capital | n/a | n/a | 14.69% | 13.19% | 9.58% | n/a | |
| Net Worth / Assets | n/a | n/a | 14.69% | 13.19% | 9.58% | n/a | |
| Liquidity & Funding | |||||||
| Loans / Shares | 87.73% | 89.85% | 103.26% | 101.60% | 90.22% | +249 bps | |
| Liquid Assets / Assets | 21.82% | 18.90% | 9.76% | 10.06% | 17.95% | -387 bps | |