PackageTrendsPeer
Letter portraitLegal landscape

Interstate Publishers Employees

Danville, IL · Charter 62769

Q4 2001

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 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.

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

Interstate Publishers Employees

Danville, IL · Charter 62769

Q4 2001

$259KAssets
$179KLoans
$212KShares
$47KNet Worth

Executive Summary

  • Earnings: ROA of -1.87%, down 179 bps year over year; NIM at 5.09%.
  • Asset quality: problem loans at 10.70% of loans (+902 bps YoY).
  • Capital: net worth / assets of 18.01%.
  • Funding: loans stand at 84.52% of shares as of Q4 2001.

Return on Assets (YTD, annualized)

-1.87%-179 bps YoY

Net Interest Margin (YTD, annualized)

5.09%-114 bps YoY

Efficiency Ratio (YTD, annualized)

131.57%+3,028 bps YoY

Net Worth / Assets

18.01%

Year to date, annualized, through each quarter.

MetricQ2 1998Q4 1998Q2 1999Q4 1999Q2 2000Q4 2000Q2 2001Q4 2001YoY ΔTrend
Earnings
Return on Assets4.06%3.87%2.19%-0.08%0.00%0.07%-0.39%-1.87%-179 bps
Return on Equityn/an/an/an/an/a0.39%-2.05%-10.37%n/a
Net Interest Marginn/an/an/a6.23%6.11%7.39%7.36%5.09%-114 bps
Efficiency Ration/an/an/a101.29%100.03%99.02%99.00%131.57%+3,028 bps
Growth
Asset Growth (YoY)-28.63%-14.32%-13.50%-16.91%-14.26%-30.80%-26.53%-22.37%-546 bps
Loan Growth (YoY)-34.11%-39.98%-40.40%-31.93%-31.48%-43.05%-29.20%-23.69%+824 bps
Share Growth (YoY)-30.11%-18.57%-19.03%-21.09%-16.51%-35.41%-29.30%-24.10%-301 bps
Asset Quality
Delinquent Loans / Loans4.60%0.25%0.16%1.67%24.18%13.68%1.97%10.70%+902 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans6.65%6.52%8.05%7.24%8.08%11.81%10.88%9.14%+190 bps
Capital
Risk-Based Capitaln/an/an/an/an/a19.20%19.07%18.01%n/a
Net Worth / Assetsn/an/an/an/an/a19.20%19.07%18.01%n/a
Liquidity & Funding
Loans / Shares87.47%76.02%72.20%84.07%71.78%67.03%72.30%84.52%+45 bps
Liquid Assets / Assets22.56%36.51%39.74%0.00%37.24%50.16%45.92%35.38%+3,538 bps