Galesburg, IL · Charter 65889
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.
Galesburg, IL · Charter 65889
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 | 1.20% | -2.07% | -1.76% | -1.35% | 0.31% | -89 bps | |
| Return on Equity | n/a | n/a | -9.23% | -7.89% | 1.75% | n/a | |
| Net Interest Margin | 6.72% | 7.13% | 8.95% | 6.97% | 6.68% | -4 bps | |
| Efficiency Ratio | 80.68% | 91.24% | 81.68% | 80.69% | 75.77% | -491 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 47.28% | 27.04% | 3.35% | -27.62% | -28.74% | -7,602 bps | |
| Loan Growth (YoY) | 28.75% | 27.56% | 18.11% | -39.12% | -50.74% | -7,949 bps | |
| Share Growth (YoY) | 73.90% | 37.45% | -6.81% | -29.83% | -32.00% | -10,590 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 2.90% | 1.68% | 3.15% | 7.52% | 1.63% | -127 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.12% | 1.69% | 2.84% | 3.62% | 0.49% | -63 bps | |
| Capital | |||||||
| Risk-Based Capital | n/a | n/a | 19.11% | 17.16% | 17.96% | n/a | |
| Net Worth / Assets | n/a | n/a | 19.11% | 17.16% | 17.96% | n/a | |
| Liquidity & Funding | |||||||
| Loans / Shares | 95.67% | 95.83% | 124.77% | 81.18% | 69.30% | -2,637 bps | |
| Liquid Assets / Assets | 0.00% | 0.98% | 8.91% | 32.44% | 41.34% | +4,134 bps | |