Streator, IL · Charter 65921
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.
Streator, IL · Charter 65921
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 | 0.88% | 0.36% | 0.92% | 1.00% | 0.81% | -7 bps | |
| Return on Equity | n/a | n/a | 3.55% | 3.70% | 2.98% | n/a | |
| Net Interest Margin | 7.01% | 6.63% | 6.80% | 6.62% | 6.01% | -99 bps | |
| Efficiency Ratio | 82.27% | 89.38% | 78.88% | 85.21% | 81.07% | -119 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -10.14% | -5.85% | 13.27% | 4.27% | 1.80% | +1,194 bps | |
| Loan Growth (YoY) | -21.19% | -22.17% | -24.95% | -23.12% | -34.01% | -1,283 bps | |
| Share Growth (YoY) | 0.34% | -10.27% | 16.00% | 5.22% | 10.18% | +984 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.52% | 12.77% | 11.04% | 10.33% | 2.07% | +156 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.00% | 0.66% | 1.32% | 1.81% | 2.46% | +146 bps | |
| Capital | |||||||
| Risk-Based Capital | n/a | n/a | 25.81% | 26.92% | 27.28% | n/a | |
| Net Worth / Assets | n/a | n/a | 25.81% | 26.92% | 27.28% | n/a | |
| Liquidity & Funding | |||||||
| Loans / Shares | 111.37% | 90.93% | 82.12% | 74.28% | 66.70% | -4,467 bps | |
| Liquid Assets / Assets | 15.00% | 5.42% | 37.19% | 44.81% | 50.30% | +3,530 bps | |