Beardstown, IL · Charter 61858
Q4 2001
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2001, the quarter ended December 31, 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.
Beardstown, IL · Charter 61858
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 | 1.03% | 1.82% | 1.56% | 0.27% | -1.84% | -2.79% | -0.80% | -3.19% | -346 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | n/a | -18.99% | -6.05% | -33.31% | n/a | |
| Net Interest Margin | n/a | n/a | n/a | 7.67% | 4.14% | 6.67% | 7.88% | 6.98% | -69 bps | |
| Efficiency Ratio | n/a | n/a | n/a | 96.52% | 139.05% | 111.25% | 109.07% | 124.30% | +2,777 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -6.64% | -8.57% | -5.86% | -3.72% | -1.49% | -2.74% | -7.64% | 8.82% | +1,254 bps | |
| Loan Growth (YoY) | -30.63% | -17.72% | -21.24% | -13.08% | 14.13% | 4.08% | 31.20% | 20.88% | +3,397 bps | |
| Share Growth (YoY) | -7.66% | -10.05% | -6.55% | -4.12% | -0.90% | 0.31% | -5.73% | 17.55% | +2,167 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 4.68% | 3.14% | 6.54% | 3.07% | 2.71% | 0.91% | 0.88% | 7.43% | +437 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 | 2.66% | 2.94% | 3.63% | 1.50% | 1.32% | 1.56% | 1.51% | 2.64% | +114 bps | |
| Capital | ||||||||||
| Risk-Based Capital | n/a | n/a | n/a | n/a | n/a | 14.69% | 13.19% | 9.58% | n/a | |
| Net Worth / Assets | n/a | n/a | n/a | n/a | n/a | 14.69% | 13.19% | 9.58% | n/a | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 78.01% | 99.52% | 73.00% | 87.73% | 89.85% | 103.26% | 101.60% | 90.22% | +249 bps | |
| Liquid Assets / Assets | 31.01% | 15.38% | 35.25% | 21.82% | 18.90% | 9.76% | 10.06% | 17.95% | -387 bps | |