West Frankfort, IL · Charter 19607
Q3 2003
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q2 2001 | Q4 2001 | Q2 2002 | Q3 2002 | Q4 2002 | Q1 2003 | Q2 2003 | Q3 2003 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.02% | 0.01% | -0.54% | -0.54% | -0.25% | -0.12% | -0.07% | -0.38% | +16 bps | |
| Return on Equity | 0.13% | 0.06% | -3.63% | -3.50% | -1.66% | -0.80% | -0.47% | -2.68% | +82 bps | |
| Net Interest Margin | 4.16% | 4.01% | 3.86% | 4.03% | 4.18% | 4.21% | 3.74% | 3.63% | -40 bps | |
| Efficiency Ratio | 99.50% | 99.77% | 113.98% | 113.42% | 106.06% | 102.85% | 101.80% | 110.54% | -288 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -11.24% | -5.33% | 2.59% | 4.05% | 4.13% | -0.62% | 4.12% | 7.06% | +302 bps | |
| Loan Growth (YoY) | 3.47% | -19.61% | -22.75% | -19.53% | -21.00% | -16.62% | -25.68% | -29.73% | -1,020 bps | |
| Share Growth (YoY) | -13.86% | -6.40% | 3.22% | 5.39% | 5.25% | -0.44% | 4.93% | 8.57% | +318 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.00% | 0.20% | 0.83% | 0.88% | 1.46% | 1.37% | 1.37% | 1.36% | +48 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 | 0.53% | 0.57% | 0.58% | 0.62% | 0.67% | 0.69% | 0.77% | 0.88% | +26 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 16.27% | 15.43% | 14.92% | 15.50% | 15.33% | 15.19% | 14.32% | 14.33% | -117 bps | |
| Net Worth / Assets | 16.27% | 15.43% | 14.92% | 15.50% | 15.33% | 15.19% | 14.32% | 14.33% | -117 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 85.43% | 74.17% | 72.46% | 70.91% | 64.12% | 62.12% | 51.33% | 45.90% | -2,502 bps | |
| Liquid Assets / Assets | 26.56% | 35.75% | 36.65% | 38.43% | 44.12% | 45.37% | 54.22% | 58.88% | +2,044 bps | |