Schiller Pk, IL · Charter 20541
Q2 2003
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2003, the quarter ended June 30, 2003, 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.
Schiller Pk, IL · Charter 20541
Q2 2003
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 2000 | Q2 2001 | Q4 2001 | Q2 2002 | Q3 2002 | Q4 2002 | Q1 2003 | Q2 2003 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.78% | 3.47% | 0.07% | 0.48% | -0.07% | -1.40% | -1.84% | -12500% | -1,250,068 bps | |
| Return on Equity | 4.82% | 20.43% | 0.47% | 2.98% | -0.44% | -9.50% | -7.00% | -905371% | -90,537,441 bps | |
| Net Interest Margin | 2.89% | 5.38% | 2.50% | 2.64% | 2.25% | 0.83% | 1.76% | -12500% | -1,250,284 bps | |
| Efficiency Ratio | 75.45% | 37.57% | 97.19% | 81.90% | 102.90% | 256% | 205% | n/a | n/a | |
| Growth | ||||||||||
| Asset Growth (YoY) | 6.77% | 17.42% | 14.53% | 0.01% | 5.91% | -5.03% | -46.37% | -99.78% | -9,979 bps | |
| Loan Growth (YoY) | 17.98% | -13.23% | -56.28% | -75.81% | -83.73% | -86.44% | -87.91% | -100.00% | -2,419 bps | |
| Share Growth (YoY) | 5.44% | 20.14% | 18.27% | 1.26% | 12.23% | -4.03% | -51.45% | -100.00% | -10,126 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.00% | 9.56% | 11.59% | 18.00% | 14.04% | 16.83% | 38.14% | n/a | n/a | |
| 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 | 2.09% | 2.09% | 4.87% | 8.53% | 8.04% | 10.88% | 24.92% | n/a | n/a | |
| Capital | ||||||||||
| Risk-Based Capital | 16.10% | 17.00% | 15.75% | 16.28% | 15.22% | 14.74% | 26.32% | 1.38% | -1,490 bps | |
| Net Worth / Assets | 16.10% | 17.00% | 15.75% | 16.28% | 15.22% | 14.74% | 26.32% | 1.38% | -1,490 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 41.59% | 33.73% | 17.30% | 8.18% | 6.03% | 4.76% | 4.31% | n/a | n/a | |
| Liquid Assets / Assets | 66.71% | 71.82% | 85.82% | 92.91% | 94.51% | 95.60% | 95.42% | 100.00% | +709 bps | |