Danville, IL · Charter 62769
Q4 2001
Board Package
Performance Trends and Peer Comparison
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.
No peer standings are published for this institution and quarter.
Peer groups below the disclosure floor are suppressed.
Danville, IL · Charter 62769
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 | -0.08% | 0.00% | 0.07% | -0.39% | -1.87% | -179 bps | |
| Return on Equity | n/a | n/a | 0.39% | -2.05% | -10.37% | n/a | |
| Net Interest Margin | 6.23% | 6.11% | 7.39% | 7.36% | 5.09% | -114 bps | |
| Efficiency Ratio | 101.29% | 100.03% | 99.02% | 99.00% | 131.57% | +3,028 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -16.91% | -14.26% | -30.80% | -26.53% | -22.37% | -546 bps | |
| Loan Growth (YoY) | -31.93% | -31.48% | -43.05% | -29.20% | -23.69% | +824 bps | |
| Share Growth (YoY) | -21.09% | -16.51% | -35.41% | -29.30% | -24.10% | -301 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 1.67% | 24.18% | 13.68% | 1.97% | 10.70% | +902 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 7.24% | 8.08% | 11.81% | 10.88% | 9.14% | +190 bps | |
| Capital | |||||||
| Risk-Based Capital | n/a | n/a | 19.20% | 19.07% | 18.01% | n/a | |
| Net Worth / Assets | n/a | n/a | 19.20% | 19.07% | 18.01% | n/a | |
| Liquidity & Funding | |||||||
| Loans / Shares | 84.07% | 71.78% | 67.03% | 72.30% | 84.52% | +45 bps | |
| Liquid Assets / Assets | 0.00% | 37.24% | 50.16% | 45.92% | 35.38% | +3,538 bps | |