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Fox Employees

Dwight, IL · Charter 62405

Q3 2002

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: Q3 2002, the quarter ended September 30, 2002, 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

Fox Employees

Dwight, IL · Charter 62405

Q3 2002

$873KAssets
$633KLoans
$765KShares
$108KNet Worth

Executive Summary

  • Earnings: ROA of 0.37%, down 209 bps year over year; NIM at 4.23%.
  • Asset quality: problem loans at 0.00% of loans (-321 bps YoY).
  • Capital: net worth / assets of 12.33%, down 376 bps from a year ago.
  • Funding: loans stand at 82.67% of shares as of Q3 2002.

Return on Assets (YTD, annualized)

0.37%-209 bps YoY

Net Interest Margin (YTD, annualized)

4.23%-307 bps YoY

Efficiency Ratio (YTD, annualized)

91.72%+2,430 bps YoY

Net Worth / Assets

12.33%-376 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 1999Q4 1999Q2 2000Q4 2000Q2 2001Q4 2001Q2 2002Q3 2002YoY ΔTrend
Earnings
Return on Assets2.91%0.98%1.68%2.46%0.93%0.53%0.27%0.37%-209 bps
Return on Equityn/an/an/a15.27%6.67%3.61%2.17%3.01%-1,227 bps
Net Interest Marginn/a6.60%5.95%7.30%5.49%5.28%4.13%4.23%-307 bps
Efficiency Ration/a85.84%72.89%67.42%83.44%90.37%93.80%91.72%+2,430 bps
Growth
Asset Growth (YoY)1.74%4.92%9.29%13.77%11.36%24.95%15.82%36.84%+2,307 bps
Loan Growth (YoY)17.34%23.75%45.80%25.33%-4.00%-17.94%-21.16%12.33%-1,300 bps
Share Growth (YoY)1.48%6.28%10.34%13.25%10.68%25.90%15.73%43.10%+2,985 bps
Asset Quality
Delinquent Loans / Loans1.81%4.70%3.36%3.21%2.17%0.82%0.00%0.00%-321 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans0.90%2.13%2.15%2.41%3.16%1.53%1.35%1.14%-127 bps
Capital
Risk-Based Capitaln/an/an/a16.09%13.94%14.61%12.45%12.33%-376 bps
Net Worth / Assetsn/an/an/a16.09%13.94%14.61%12.45%12.33%-376 bps
Liquidity & Funding
Loans / Shares84.05%115.44%97.24%105.31%72.91%75.24%66.25%82.67%-2,265 bps
Liquid Assets / Assets22.38%0.00%0.00%11.74%37.18%34.74%41.02%26.63%+1,489 bps