Peoria, IL · Charter 65531
Q4 2000
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2000, the quarter ended December 31, 2000, 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.
Peoria, IL · Charter 65531
Q4 2000
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 1998 | Q2 1999 | Q4 1999 | Q2 2000 | Q4 2000 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 3.24% | 2.69% | -0.44% | -0.45% | -0.23% | -347 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | -1.21% | n/a | n/a |
| Net Interest Margin | n/a | n/a | 6.38% | 5.06% | 6.33% | n/a | |
| Efficiency Ratio | n/a | n/a | 92.28% | 105.47% | 94.80% | n/a | |
| Growth | |||||||
| Asset Growth (YoY) | -5.12% | 6.36% | -3.61% | 11.84% | 2.16% | +728 bps | |
| Loan Growth (YoY) | -16.23% | -1.81% | -7.86% | -10.59% | -0.25% | +1,598 bps | |
| Share Growth (YoY) | -9.31% | -3.66% | -5.45% | 15.29% | 2.36% | +1,167 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 2.77% | 1.25% | 1.57% | 0.51% | 2.72% | -5 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.75% | 0.47% | 1.67% | 1.98% | 2.01% | +127 bps | |
| Capital | |||||||
| Risk-Based Capital | n/a | n/a | n/a | n/a | 18.78% | n/a | n/a |
| Net Worth / Assets | n/a | n/a | n/a | n/a | 18.78% | n/a | n/a |
| Liquidity & Funding | |||||||
| Loans / Shares | 86.36% | 97.14% | 92.02% | 71.16% | 84.16% | -220 bps | |
| Liquid Assets / Assets | 26.69% | 20.26% | 23.02% | 24.61% | 15.15% | -1,153 bps | |