Kankakee, IL · Charter 60140
Q4 2001
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 1998 | Q4 1998 | Q2 1999 | Q4 1999 | Q2 2000 | Q4 2000 | Q2 2001 | Q4 2001 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 4.88% | 4.79% | 4.54% | 1.00% | 1.60% | 1.81% | 2.00% | 1.72% | +72 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | n/a | 8.83% | 9.90% | 8.18% | n/a | |
| Net Interest Margin | n/a | n/a | n/a | 3.07% | 3.72% | 4.20% | 4.35% | 4.40% | +133 bps | |
| Efficiency Ratio | n/a | n/a | n/a | 68.28% | 58.55% | 51.91% | 57.31% | 63.16% | -512 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 2.67% | 4.79% | 10.75% | 12.33% | 11.84% | 3.19% | 2.88% | 5.22% | -712 bps | |
| Loan Growth (YoY) | -20.19% | -8.59% | -7.64% | -3.06% | 24.89% | 49.86% | 57.15% | 38.01% | +4,106 bps | |
| Share Growth (YoY) | -0.52% | 1.99% | 9.77% | 12.21% | 11.25% | 0.42% | -0.25% | 2.02% | -1,019 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.19% | 0.29% | 0.24% | 0.54% | 0.38% | 0.00% | 0.79% | 3.81% | +327 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 | 1.31% | 1.27% | 1.26% | 0.39% | 0.44% | 0.64% | 0.63% | 0.48% | +8 bps | |
| Capital | ||||||||||
| Risk-Based Capital | n/a | n/a | n/a | n/a | n/a | 20.51% | 20.24% | 21.01% | n/a | |
| Net Worth / Assets | n/a | n/a | n/a | n/a | n/a | 20.51% | 20.24% | 21.01% | n/a | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 53.38% | 53.24% | 50.02% | 52.06% | 59.92% | 79.45% | 78.81% | 70.43% | +1,837 bps | |
| Liquid Assets / Assets | 45.36% | 42.37% | 49.83% | 51.00% | 47.55% | 33.46% | 34.22% | 41.81% | -919 bps | |