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Quincy Municipal

Quincy, IL · Charter 65483

NCUA · 1 branch

Q3 2018

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 2018, the quarter ended September 30, 2018, 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

Quincy Municipal

Quincy, IL · Charter 65483

NCUA · 1 branch

Q3 2018

$2.8MAssets
$1.4MLoans
$2.3MShares
$555KNet Worth

Executive Summary

  • Earnings: ROA of 0.58%, down 6 bps year over year; NIM at 3.30%.
  • Asset quality: problem loans at 0.73% of loans (+44 bps YoY).
  • Capital: net worth / assets of 19.69%, up 289 bps from a year ago.
  • Funding: loans stand at 60.23% of shares as of Q3 2018.

Return on Assets (YTD, annualized)

0.58%-6 bps YoY

Net Interest Margin (YTD, annualized)

3.30%+27 bps YoY

Efficiency Ratio (YTD, annualized)

80.19%+218 bps YoY

Net Worth / Assets

19.69%+289 bps YoY

Year to date, annualized, through each quarter.

MetricQ4 2016Q1 2017Q2 2017Q3 2017Q4 2017Q1 2018Q2 2018Q3 2018YoY ΔTrend
Earnings
Return on Assets0.23%0.59%0.54%0.64%0.57%0.51%0.41%0.58%-6 bps
Return on Equity1.60%3.87%3.49%3.81%3.22%2.86%2.25%2.96%-85 bps
Net Interest Margin2.78%2.80%2.85%3.04%3.16%2.94%3.13%3.30%+27 bps
Efficiency Ratio79.36%75.04%79.22%78.01%81.39%81.19%82.30%80.19%+218 bps
Growth
Asset Growth (YoY)1.70%-11.46%-12.38%-14.21%-15.30%-11.07%-11.81%-12.44%+178 bps
Loan Growth (YoY)-7.92%-7.21%-5.18%-1.19%-3.56%-4.97%-3.38%-8.63%-744 bps
Share Growth (YoY)1.72%-13.55%-14.67%-17.07%-18.45%-13.62%-14.49%-15.48%+159 bps
Asset Quality
Delinquent Loans / Loans0.00%0.00%0.00%0.29%0.00%0.00%0.70%0.73%+44 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans0.66%0.73%0.75%0.77%0.86%0.91%0.82%0.86%+10 bps
Capital
Risk-Based Capital14.46%15.32%15.62%16.79%17.64%17.75%18.18%19.69%+289 bps
Net Worth / Assets14.46%15.32%15.62%16.79%17.64%17.75%18.18%19.69%+289 bps
Liquidity & Funding
Loans / Shares46.09%49.24%51.22%55.71%54.50%54.17%57.87%60.23%+451 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps