Kankakee, IL · Charter 61397
Q1 2004
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 2002 | Q3 2002 | Q4 2002 | Q1 2003 | Q2 2003 | Q3 2003 | Q4 2003 | Q1 2004 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.03% | 0.44% | 0.03% | 0.37% | -1.17% | -0.36% | -0.71% | 0.72% | +35 bps | |
| Return on Equity | -0.37% | 5.22% | 0.37% | 4.54% | -15.98% | -4.24% | -9.81% | 10.40% | +586 bps | |
| Net Interest Margin | 2.20% | 2.70% | 2.35% | 2.82% | 1.39% | 2.36% | 1.59% | 2.31% | -51 bps | |
| Efficiency Ratio | 101.28% | 83.84% | 98.68% | 87.17% | 130.17% | 114.86% | 120.37% | 69.40% | -1,777 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 7.37% | 11.61% | 10.64% | 11.74% | -0.30% | -7.27% | 5.91% | 8.06% | -368 bps | |
| Loan Growth (YoY) | -17.88% | -21.40% | -26.22% | -24.18% | -15.82% | -14.76% | -17.35% | -14.38% | +980 bps | |
| Share Growth (YoY) | 8.11% | 12.30% | 11.72% | 12.81% | 0.17% | -7.32% | 7.33% | 9.50% | -331 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 2.06% | 2.20% | 7.28% | 8.02% | 11.66% | 12.16% | 6.92% | 7.49% | -53 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 | 1.13% | 1.21% | 1.24% | 1.39% | 0.00% | 0.00% | 0.00% | 1.01% | -38 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 7.76% | 8.47% | 8.48% | 8.14% | 7.33% | 8.54% | 7.29% | 6.96% | -118 bps | |
| Net Worth / Assets | 7.76% | 8.47% | 8.48% | 8.14% | 7.33% | 8.54% | 7.29% | 6.96% | -118 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 39.74% | 39.28% | 39.58% | 33.42% | 33.39% | 36.12% | 30.48% | 26.13% | -729 bps | |
| Liquid Assets / Assets | 61.62% | 62.50% | 62.23% | 66.28% | 67.03% | 64.83% | 69.72% | 73.79% | +752 bps | |