Herrin, IL · Charter 61413
Q4 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 | Q4 2001 | Q2 2002 | Q3 2002 | Q4 2002 | Q1 2003 | Q2 2003 | Q3 2003 | Q4 2003 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.18% | 0.50% | 0.51% | -0.73% | -0.78% | -0.33% | -0.33% | -3.02% | -229 bps | |
| Return on Equity | -2.81% | 7.16% | 7.03% | -10.19% | -11.10% | -4.92% | -4.40% | -53.38% | -4,319 bps | |
| Net Interest Margin | 2.37% | 2.87% | 3.00% | 3.00% | 2.97% | 2.90% | 3.35% | 4.08% | +108 bps | |
| Efficiency Ratio | 91.87% | 78.37% | 77.70% | 99.30% | 102.09% | 82.71% | 76.99% | 100.23% | +94 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 13.36% | 5.06% | -1.35% | -9.02% | -7.87% | -2.84% | -10.76% | -19.46% | -1,044 bps | |
| Loan Growth (YoY) | -1.06% | -7.59% | -7.80% | -6.56% | -12.59% | -12.54% | -17.63% | -17.83% | -1,126 bps | |
| Share Growth (YoY) | 17.26% | 9.70% | -1.50% | -9.39% | -8.39% | -2.25% | -11.28% | -18.36% | -897 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 2.40% | 1.99% | 1.61% | 2.45% | 2.97% | 2.46% | 2.17% | 1.82% | -63 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 | 0.59% | 0.65% | 0.79% | 1.07% | 0.80% | 0.80% | 0.86% | 3.02% | +195 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 6.49% | 7.02% | 7.29% | 7.12% | 7.01% | 6.78% | 7.47% | 5.65% | -146 bps | |
| Net Worth / Assets | 6.49% | 7.02% | 7.29% | 7.12% | 7.01% | 6.78% | 7.47% | 5.65% | -146 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 72.99% | 76.05% | 76.17% | 77.20% | 69.64% | 68.05% | 70.71% | 77.70% | +50 bps | |
| Liquid Assets / Assets | 22.84% | 19.48% | 22.92% | 21.69% | 28.81% | 30.79% | 28.72% | 22.46% | +77 bps | |