Decatur, IL · Charter 60159
Q3 2002
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2002, the quarter ended September 30, 2002, 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.
Decatur, IL · Charter 60159
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 | 1.84% | 0.21% | 0.24% | 0.06% | 0.27% | -4.02% | 0.28% | 0.19% | +13 bps | |
| Return on Equity | n/a | n/a | n/a | 0.22% | 0.98% | -19.45% | 1.38% | 0.88% | +66 bps | |
| Net Interest Margin | n/a | 6.57% | 6.23% | 6.50% | 6.32% | 6.36% | 5.78% | 6.03% | -47 bps | |
| Efficiency Ratio | n/a | 96.84% | 96.08% | 99.05% | 95.75% | 80.17% | 95.08% | 92.61% | -644 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -16.57% | -26.71% | -10.98% | -13.03% | -12.41% | 1.83% | 2.40% | 5.97% | +1,901 bps | |
| Loan Growth (YoY) | -12.39% | -25.67% | -18.50% | -20.54% | -8.89% | 0.76% | -7.03% | 10.33% | +3,087 bps | |
| Share Growth (YoY) | -20.68% | -32.45% | -13.36% | -17.08% | -16.55% | 8.40% | 8.93% | 14.64% | +3,172 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.92% | 0.56% | 0.54% | 20.74% | 14.49% | 0.00% | 6.68% | 6.52% | -1,422 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 | 2.87% | 3.27% | 3.18% | 3.06% | 0.31% | 0.63% | 0.66% | 0.91% | -215 bps | |
| Capital | ||||||||||
| Risk-Based Capital | n/a | n/a | n/a | 27.59% | 27.49% | 20.67% | 20.50% | 21.68% | -591 bps | |
| Net Worth / Assets | n/a | n/a | n/a | 27.59% | 27.49% | 20.67% | 20.50% | 21.68% | -591 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 104.59% | 95.29% | 96.93% | 94.55% | 114.18% | 88.57% | 82.73% | 90.99% | -355 bps | |
| Liquid Assets / Assets | 19.49% | 21.83% | 27.87% | 30.88% | 15.61% | 28.49% | 33.28% | 28.29% | -259 bps | |