Joliet, IL · Charter 2274
Q4 2003
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2003, the quarter ended December 31, 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.
Joliet, IL · Charter 2274
Q4 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 2001 | Q2 2002 | Q3 2002 | Q4 2002 | Q1 2003 | Q2 2003 | Q3 2003 | Q4 2003 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -6.66% | 0.37% | 0.17% | -0.20% | -0.40% | -0.10% | -3.43% | -4.92% | -473 bps | |
| Return on Equity | -88.50% | 4.90% | 2.40% | -2.64% | -5.67% | -1.22% | -58.02% | -94.63% | -9,200 bps | |
| Net Interest Margin | 6.12% | 6.69% | 6.37% | 6.78% | 6.22% | 6.85% | 7.07% | 8.01% | +122 bps | |
| Efficiency Ratio | 92.26% | 76.79% | 77.52% | 75.15% | 91.16% | 78.26% | 71.63% | 76.02% | +88 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -9.78% | -15.24% | 0.00% | -9.66% | -0.66% | -15.34% | -21.60% | -28.97% | -1,931 bps | |
| Loan Growth (YoY) | -35.46% | -32.25% | -24.85% | -14.34% | -8.03% | -8.06% | -19.72% | -26.37% | -1,202 bps | |
| Share Growth (YoY) | -3.03% | -9.75% | 7.90% | -4.81% | 0.38% | -15.78% | -20.31% | -27.18% | -2,237 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 7.37% | 8.06% | 4.47% | 7.21% | 8.96% | 10.97% | 1.34% | 0.16% | -705 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 | 6.09% | 7.60% | 3.63% | 5.33% | 6.08% | 4.76% | 4.24% | 4.52% | -81 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 7.53% | 7.58% | 7.25% | 7.44% | 6.99% | 8.12% | 5.91% | 5.20% | -224 bps | |
| Net Worth / Assets | 7.53% | 7.58% | 7.25% | 7.44% | 6.99% | 8.12% | 5.91% | 5.20% | -224 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 62.68% | 58.17% | 57.00% | 60.92% | 57.43% | 63.50% | 57.42% | 61.60% | +68 bps | |
| Liquid Assets / Assets | 37.04% | 47.89% | 42.89% | 41.54% | 44.42% | 39.97% | 41.25% | 39.90% | -164 bps | |