Sterling, IL · Charter 60254
Q2 2001
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2001, the quarter ended June 30, 2001, 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.
Sterling, IL · Charter 60254
Q2 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 | Q4 1997 | Q2 1998 | Q4 1998 | Q2 1999 | Q4 1999 | Q2 2000 | Q4 2000 | Q2 2001 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 4.27% | 3.31% | 3.64% | 3.19% | 0.40% | 0.38% | 0.30% | -0.37% | -356 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | n/a | n/a | 2.15% | -2.94% | n/a | |
| Net Interest Margin | n/a | n/a | n/a | n/a | 4.21% | 4.10% | 4.50% | 3.77% | n/a | |
| Efficiency Ratio | n/a | n/a | n/a | n/a | 92.57% | 92.48% | 94.20% | 106.84% | n/a | |
| Growth | ||||||||||
| Asset Growth (YoY) | -21.58% | -8.05% | -2.19% | -0.61% | 9.19% | 6.86% | -0.55% | 4.12% | +474 bps | |
| Loan Growth (YoY) | 4.50% | 13.98% | -13.47% | -28.31% | -23.78% | -13.15% | 2.02% | 22.05% | +5,036 bps | |
| Share Growth (YoY) | -25.64% | -9.49% | -4.40% | -1.49% | 11.38% | 3.94% | -1.14% | 4.33% | +581 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.33% | 1.41% | 1.29% | 1.73% | 7.14% | 1.78% | 1.26% | 2.14% | +41 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 | 4.13% | 4.29% | 3.99% | 3.91% | 3.61% | 2.81% | 2.50% | 2.17% | -175 bps | |
| Capital | ||||||||||
| Risk-Based Capital | n/a | n/a | n/a | n/a | n/a | n/a | 14.11% | 12.69% | n/a | |
| Net Worth / Assets | n/a | n/a | n/a | n/a | n/a | n/a | 14.11% | 12.69% | n/a | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 82.68% | 70.41% | 64.15% | 53.14% | 56.58% | 58.83% | 66.20% | 62.17% | +903 bps | |
| Liquid Assets / Assets | 22.49% | 19.95% | 28.50% | 43.84% | 26.82% | 19.89% | 27.35% | 28.04% | -1,580 bps | |