Bloomington, IL · Charter 64428
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.
Bloomington, IL · Charter 64428
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 | 0.24% | 0.43% | 0.14% | -0.56% | -0.37% | -61 bps | |
| Return on Equity | n/a | n/a | 0.86% | -3.74% | -2.60% | n/a | |
| Net Interest Margin | 3.72% | 3.76% | 3.88% | 3.38% | 3.16% | -56 bps | |
| Efficiency Ratio | 90.44% | 88.60% | 82.74% | 90.72% | 85.82% | -462 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 0.01% | -7.90% | -11.69% | -3.81% | 0.31% | +30 bps | |
| Loan Growth (YoY) | -23.38% | -17.61% | -6.74% | -1.68% | -5.68% | +1,770 bps | |
| Share Growth (YoY) | 1.00% | -8.50% | -12.69% | -3.03% | -1.43% | -243 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 7.65% | 5.17% | 5.28% | 4.64% | 3.53% | -411 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 2.75% | 1.34% | 1.40% | 1.41% | 1.86% | -88 bps | |
| Capital | |||||||
| Risk-Based Capital | n/a | n/a | 15.63% | 14.89% | 14.29% | n/a | |
| Net Worth / Assets | n/a | n/a | 15.63% | 14.89% | 14.29% | n/a | |
| Liquidity & Funding | |||||||
| Loans / Shares | 59.52% | 64.93% | 65.41% | 61.62% | 56.95% | -257 bps | |
| Liquid Assets / Assets | 6.08% | 18.52% | 33.88% | 45.84% | 50.80% | +4,471 bps | |