PackageTrendsPeer
Letter portraitLegal landscape

Quincy Bell

Quincy, IL · Charter 65487

Q3 2005

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 2005, the quarter ended September 30, 2005, 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 Bell

Quincy, IL · Charter 65487

Q3 2005

$366KAssets
$97KLoans
$266KShares
$99KNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of -0.55%, down 63 bps year over year; NIM at 3.53%.
  • Asset quality: problem loans at 16.09% of loans (+737 bps YoY).
  • Capital: net worth / assets of 27.14%, up 359 bps from a year ago.
  • Funding: loans stand at 36.55% of shares as of Q3 2005.

Financial Results

Return on Assets (YTD, annualized)

-0.55%-63 bps YoY

Net Interest Margin (YTD, annualized)

3.53%-22 bps YoY

Efficiency Ratio (YTD, annualized)

115.62%+1,782 bps YoY

Net Worth / Assets

27.14%+359 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2004Q4 2004Q1 2005Q2 2005Q3 2005YoY ΔTrend
Earnings
Return on Assets0.08%-0.07%-0.17%-1.25%-0.55%-63 bps
Return on Equity0.35%-0.28%-0.64%-4.87%-2.03%-238 bps
Net Interest Margin3.74%3.51%4.50%2.88%3.53%-22 bps
Efficiency Ratio97.81%101.91%103.70%143.54%115.62%+1,782 bps
Growth
Asset Growth (YoY)-3.61%-1.28%-10.23%-11.19%-15.01%-1,140 bps
Loan Growth (YoY)-27.23%-27.93%-36.91%-48.73%-46.07%-1,884 bps
Share Growth (YoY)-4.58%-1.59%-13.24%-13.97%-19.02%-1,444 bps
Asset Quality
Delinquent Loans / Loans8.71%17.13%13.02%13.34%16.09%+737 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans2.77%3.01%3.83%4.91%5.14%+237 bps
Capital
Risk-Based Capital23.54%23.72%26.20%25.70%27.14%+359 bps
Net Worth / Assets23.54%23.72%26.20%25.70%27.14%+359 bps
Liquidity & Funding
Loans / Shares54.89%51.32%46.15%35.85%36.55%-1,834 bps
Liquid Assets / Assets57.37%60.25%65.29%72.70%72.67%+1,530 bps