Galesburg, IL · Charter 60515
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 | 3.63% | 4.19% | 4.04% | 0.74% | 0.93% | 0.82% | -0.44% | 0.14% | -60 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | n/a | 5.48% | -3.22% | 1.01% | n/a | |
| Net Interest Margin | n/a | n/a | n/a | 4.64% | 4.44% | 5.15% | 4.27% | 3.96% | -68 bps | |
| Efficiency Ratio | n/a | n/a | n/a | 63.64% | 79.99% | 67.86% | 91.75% | 78.25% | +1,461 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -9.75% | 7.74% | 18.34% | 16.37% | 26.95% | -3.75% | -1.91% | 4.90% | -1,147 bps | |
| Loan Growth (YoY) | -14.19% | -5.19% | 20.97% | 14.99% | 50.63% | 40.24% | -8.70% | -14.05% | -2,904 bps | |
| Share Growth (YoY) | -14.01% | 5.27% | 16.84% | 15.96% | 27.96% | -6.06% | -2.93% | 4.58% | -1,138 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.29% | 0.81% | 0.44% | 0.83% | 0.67% | 1.07% | 0.46% | 5.08% | +425 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 | 0.62% | 0.07% | 0.06% | 0.81% | 0.72% | 0.94% | 1.58% | 2.25% | +144 bps | |
| Capital | ||||||||||
| Risk-Based Capital | n/a | n/a | n/a | n/a | n/a | 14.91% | 13.52% | 13.79% | n/a | |
| Net Worth / Assets | n/a | n/a | n/a | n/a | n/a | 14.91% | 13.52% | 13.79% | n/a | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 73.42% | 69.83% | 78.81% | 87.22% | 86.42% | 104.24% | 74.12% | 71.68% | -1,554 bps | |
| Liquid Assets / Assets | 29.90% | 33.95% | 24.61% | 19.31% | 14.62% | 10.01% | 35.05% | 37.82% | +1,851 bps | |