Chicago Heights, IL · Charter 13010
Q1 2003
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q2 2000 | Q4 2000 | Q2 2001 | Q4 2001 | Q2 2002 | Q3 2002 | Q4 2002 | Q1 2003 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 3.19% | 0.21% | 3.11% | 0.64% | 0.47% | 0.31% | -0.26% | 0.10% | -54 bps | |
| Return on Equity | n/a | 1.32% | 18.13% | 3.98% | 2.86% | 1.81% | -1.59% | 0.58% | -340 bps | |
| Net Interest Margin | 5.75% | 2.76% | 6.54% | 3.89% | 3.82% | 3.64% | 2.95% | 3.46% | -42 bps | |
| Efficiency Ratio | 44.55% | 92.42% | 52.34% | 83.51% | 87.83% | 91.60% | 108.81% | 97.05% | +1,353 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -2.72% | 2.68% | 2.70% | 3.32% | 1.56% | -0.73% | -2.00% | -10.00% | -1,332 bps | |
| Loan Growth (YoY) | 151.16% | 225% | 104.46% | 63.88% | -38.67% | -42.97% | -39.06% | -48.91% | -11,279 bps | |
| Share Growth (YoY) | -3.95% | 2.83% | 2.06% | 2.90% | 2.49% | -1.92% | -1.02% | -11.64% | -1,455 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Capital | ||||||||||
| Risk-Based Capital | n/a | 15.89% | 17.18% | 16.08% | 16.28% | 16.90% | 16.35% | 17.61% | +153 bps | |
| Net Worth / Assets | n/a | 15.89% | 17.18% | 16.08% | 16.28% | 16.90% | 16.35% | 17.61% | +153 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 45.83% | 53.11% | 44.30% | 36.88% | 27.43% | 30.88% | 27.28% | 21.32% | -1,555 bps | |
| Liquid Assets / Assets | 58.68% | 53.57% | 50.11% | 67.14% | 74.92% | 72.25% | 75.21% | 80.39% | +1,324 bps | |