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West Central Illinois

Galesburg, IL · Charter 65889

Q4 2001

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: 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.

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

West Central Illinois

Galesburg, IL · Charter 65889

Q4 2001

$855KAssets
$485KLoans
$700KShares
$154KNet Worth

Executive Summary

  • Earnings: ROA of 0.31%, down 89 bps year over year; NIM at 6.68%.
  • Asset quality: problem loans at 1.63% of loans (-127 bps YoY).
  • Capital: net worth / assets of 17.96%.
  • Funding: loans stand at 69.30% of shares as of Q4 2001.

Return on Assets (YTD, annualized)

0.31%-89 bps YoY

Net Interest Margin (YTD, annualized)

6.68%-4 bps YoY

Efficiency Ratio (YTD, annualized)

75.77%-491 bps YoY

Net Worth / Assets

17.96%

Year to date, annualized, through each quarter.

MetricQ2 1998Q4 1998Q2 1999Q4 1999Q2 2000Q4 2000Q2 2001Q4 2001YoY ΔTrend
Earnings
Return on Assets3.89%0.84%3.24%1.20%-2.07%-1.76%-1.35%0.31%-89 bps
Return on Equityn/an/an/an/an/a-9.23%-7.89%1.75%n/a
Net Interest Marginn/an/an/a6.72%7.13%8.95%6.97%6.68%-4 bps
Efficiency Ration/an/an/a80.68%91.24%81.68%80.69%75.77%-491 bps
Growth
Asset Growth (YoY)0.66%0.32%41.05%47.28%27.04%3.35%-27.62%-28.74%-7,602 bps
Loan Growth (YoY)-10.28%-15.36%24.47%28.75%27.56%18.11%-39.12%-50.74%-7,949 bps
Share Growth (YoY)-4.49%0.05%49.43%73.90%37.45%-6.81%-29.83%-32.00%-10,590 bps
Asset Quality
Delinquent Loans / Loans0.94%5.82%1.06%2.90%1.68%3.15%7.52%1.63%-127 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans0.48%1.42%0.61%1.12%1.69%2.84%3.62%0.49%-63 bps
Capital
Risk-Based Capitaln/an/an/an/an/a19.11%17.16%17.96%n/a
Net Worth / Assetsn/an/an/an/an/a19.11%17.16%17.96%n/a
Liquidity & Funding
Loans / Shares103.27%98.45%93.56%95.67%95.83%124.77%81.18%69.30%-2,637 bps
Liquid Assets / Assets12.33%14.08%16.59%0.00%0.98%8.91%32.44%41.34%+4,134 bps