Bloomington, IL · Charter 60029
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 | 4.49% | 2.14% | 1.12% | 0.75% | 0.17% | -2.89% | 0.05% | 0.17% | -58 bps | |
| Return on Equity | n/a | n/a | n/a | 4.50% | 1.02% | -20.02% | 0.37% | 1.13% | -337 bps | |
| Net Interest Margin | n/a | 7.09% | 6.36% | 6.18% | 4.93% | 5.35% | 4.94% | 5.06% | -112 bps | |
| Efficiency Ratio | n/a | 69.51% | 82.62% | 84.90% | 96.67% | 97.22% | 98.98% | 96.73% | +1,183 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 3.31% | -3.29% | -14.25% | -11.74% | -14.47% | -7.91% | -1.16% | -5.69% | +605 bps | |
| Loan Growth (YoY) | 0.22% | -13.67% | -26.57% | -34.86% | -17.63% | -25.83% | -16.17% | -8.45% | +2,641 bps | |
| Share Growth (YoY) | 1.86% | 2.77% | -10.63% | -7.16% | -10.19% | -7.20% | 1.46% | -3.74% | +342 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 23.31% | 9.50% | 13.39% | 16.32% | 13.15% | 0.33% | 0.20% | 1.06% | -1,525 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 | 3.34% | 5.57% | 6.57% | 6.75% | 6.32% | 2.88% | 5.16% | 5.53% | -122 bps | |
| Capital | ||||||||||
| Risk-Based Capital | n/a | n/a | n/a | 16.64% | 16.34% | 14.44% | 14.10% | 14.92% | -171 bps | |
| Net Worth / Assets | n/a | n/a | n/a | 16.64% | 16.34% | 14.44% | 14.10% | 14.92% | -171 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 89.51% | 94.13% | 88.32% | 76.21% | 82.11% | 75.24% | 72.98% | 72.48% | -373 bps | |
| Liquid Assets / Assets | 4.90% | 5.76% | 0.00% | 37.08% | 32.35% | 34.33% | 38.02% | 39.03% | +195 bps | |