Quincy, IL · Charter 63560
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.
Quincy, IL · Charter 63560
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 | 0.07% | 0.47% | 0.05% | 2.35% | 0.20% | +13 bps | |
| Return on Equity | n/a | n/a | 0.18% | 8.28% | 0.73% | n/a | |
| Net Interest Margin | 3.29% | 4.05% | 3.68% | 6.14% | 3.73% | +44 bps | |
| Efficiency Ratio | 97.96% | 88.73% | 98.67% | 62.08% | 93.65% | -432 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -4.88% | -7.13% | -14.21% | -14.75% | -6.43% | -155 bps | |
| Loan Growth (YoY) | -0.07% | -1.61% | -3.16% | -6.98% | -19.70% | -1,963 bps | |
| Share Growth (YoY) | -7.06% | -9.52% | -18.74% | -19.18% | -8.53% | -147 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.25% | 0.00% | 0.31% | 1.27% | 2.13% | +188 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.47% | 0.47% | 0.36% | 0.39% | 0.46% | -1 bps | |
| Capital | |||||||
| Risk-Based Capital | n/a | n/a | 28.11% | 28.35% | 27.98% | n/a | |
| Net Worth / Assets | n/a | n/a | 28.11% | 28.35% | 27.98% | n/a | |
| Liquidity & Funding | |||||||
| Loans / Shares | 88.32% | 91.68% | 98.05% | 89.29% | 77.54% | -1,078 bps | |
| Liquid Assets / Assets | 24.18% | 25.29% | 6.93% | 31.41% | 33.96% | +979 bps | |