Dixon, IL · Charter 66007
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.
Dixon, IL · Charter 66007
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 | -0.34% | -0.52% | 0.03% | -0.36% | 0.36% | +70 bps | |
| Return on Equity | n/a | n/a | 0.28% | -4.49% | 3.89% | n/a | |
| Net Interest Margin | 9.11% | 7.16% | 8.43% | 7.19% | 8.15% | -96 bps | |
| Efficiency Ratio | 103.41% | 106.74% | 99.69% | 104.70% | 95.87% | -755 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -9.81% | -6.17% | -2.40% | -1.02% | 14.44% | +2,425 bps | |
| Loan Growth (YoY) | -17.96% | -11.44% | -0.07% | 19.34% | 28.59% | +4,655 bps | |
| Share Growth (YoY) | -6.53% | -2.39% | 1.97% | 2.49% | 15.20% | +2,172 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 6.90% | 5.35% | 4.24% | 1.93% | 2.42% | -448 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 5.55% | 5.04% | 4.68% | 3.06% | 3.23% | -233 bps | |
| Capital | |||||||
| Risk-Based Capital | n/a | n/a | 9.80% | 8.11% | 9.29% | n/a | |
| Net Worth / Assets | n/a | n/a | 9.80% | 8.11% | 9.29% | n/a | |
| Liquidity & Funding | |||||||
| Loans / Shares | 85.65% | 83.39% | 98.83% | 87.12% | 95.61% | +996 bps | |
| Liquid Assets / Assets | 10.98% | 20.03% | 13.14% | 20.91% | 14.90% | +392 bps | |