Lockport, IL · Charter 13302
Q3 2002
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 | Q2 1999 | Q4 1999 | Q2 2000 | Q4 2000 | Q2 2001 | Q4 2001 | Q2 2002 | Q3 2002 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 4.10% | 1.22% | 1.03% | 1.24% | 1.17% | 0.99% | 0.74% | 1.11% | -13 bps | |
| Return on Equity | n/a | n/a | n/a | 9.13% | 9.25% | 7.65% | 6.12% | 8.55% | -58 bps | |
| Net Interest Margin | n/a | 3.85% | 3.90% | 4.41% | 4.12% | 3.98% | 3.47% | 3.72% | -70 bps | |
| Efficiency Ratio | n/a | 67.42% | 74.87% | 72.24% | 74.43% | 72.39% | 72.35% | 64.33% | -791 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 11.28% | 11.53% | 9.00% | 7.26% | 9.51% | 13.86% | 15.66% | 20.81% | +1,356 bps | |
| Loan Growth (YoY) | 15.83% | 11.46% | 11.65% | 3.86% | -7.14% | -16.85% | -21.87% | -14.27% | -1,812 bps | |
| Share Growth (YoY) | 7.78% | 8.44% | 6.59% | 5.48% | 8.21% | 13.16% | 15.46% | 21.64% | +1,616 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.19% | 1.84% | 1.07% | 1.78% | 2.09% | 2.50% | 2.17% | 2.29% | +51 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 | 0.45% | 0.41% | 0.40% | 0.45% | 0.60% | 0.75% | 0.78% | 0.74% | +28 bps | |
| Capital | ||||||||||
| Risk-Based Capital | n/a | n/a | n/a | 13.54% | 12.65% | 12.95% | 12.10% | 12.96% | -57 bps | |
| Net Worth / Assets | n/a | n/a | n/a | 13.54% | 12.65% | 12.95% | 12.10% | 12.96% | -57 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 64.65% | 72.21% | 64.52% | 69.43% | 55.48% | 53.07% | 43.65% | 48.94% | -2,050 bps | |
| Liquid Assets / Assets | 21.04% | 15.57% | 18.14% | 17.91% | 36.79% | 51.15% | 20.59% | 49.35% | +3,144 bps | |