Worth, IL · Charter 60631
Q1 2003
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2003, the quarter ended March 31, 2003, 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.
Worth, IL · Charter 60631
Q1 2003
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 2000 | Q4 2000 | Q2 2001 | Q4 2001 | Q2 2002 | Q3 2002 | Q4 2002 | Q1 2003 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.96% | 1.09% | 0.93% | 0.03% | 0.59% | 0.58% | -0.10% | 0.39% | +36 bps | |
| Return on Equity | n/a | 7.93% | 6.58% | 0.22% | 4.24% | 4.14% | -0.74% | 2.78% | +256 bps | |
| Net Interest Margin | 3.59% | 3.79% | 3.51% | 3.22% | 2.86% | 2.83% | 2.75% | 2.22% | -100 bps | |
| Efficiency Ratio | 73.20% | 71.21% | 73.70% | 76.95% | 79.41% | 79.58% | 80.65% | 82.51% | +556 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 2.44% | -8.30% | -6.12% | -8.98% | -2.09% | 1.86% | -0.90% | -1.68% | +730 bps | |
| Loan Growth (YoY) | -6.20% | 4.26% | 3.50% | -7.84% | -18.18% | -27.48% | -30.68% | -26.55% | -1,871 bps | |
| Share Growth (YoY) | 0.16% | -11.62% | -8.97% | -10.76% | -3.45% | 1.73% | -0.42% | -1.97% | +880 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 4.53% | 4.96% | 7.95% | 8.06% | 9.30% | 13.35% | 8.82% | 10.59% | +253 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 | 2.69% | 1.39% | 1.81% | 4.07% | 2.01% | 2.10% | 4.39% | 5.01% | +94 bps | |
| Capital | ||||||||||
| Risk-Based Capital | n/a | 13.77% | 14.07% | 13.81% | 13.90% | 13.98% | 13.66% | 14.04% | +23 bps | |
| Net Worth / Assets | n/a | 13.77% | 14.07% | 13.81% | 13.90% | 13.98% | 13.66% | 14.04% | +23 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 48.18% | 55.00% | 53.36% | 45.80% | 40.83% | 39.21% | 37.15% | 34.32% | -1,149 bps | |
| Liquid Assets / Assets | 4.70% | 40.19% | 52.10% | 59.55% | 62.91% | 42.11% | 66.91% | 69.71% | +1,016 bps | |