Bartlett, IL · Charter 62600
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 | -1.71% | -2.05% | -1.34% | 0.42% | -4.72% | -4.43% | -3.44% | -16.84% | -1,727 bps | |
| Return on Equity | -18.44% | -22.48% | -15.20% | 5.01% | -69.90% | -60.16% | -50.99% | -589% | -59,397 bps | |
| Net Interest Margin | 3.45% | 4.62% | 4.44% | 3.91% | 5.59% | 6.16% | 5.51% | 4.50% | +59 bps | |
| Efficiency Ratio | 119.05% | 141.28% | 100.69% | 93.10% | 104.22% | 114.68% | 116.60% | n/a | n/a | |
| Growth | ||||||||||
| Asset Growth (YoY) | -4.88% | -3.42% | -13.71% | 5.41% | -13.96% | -22.74% | -13.75% | -21.82% | -2,724 bps | |
| Loan Growth (YoY) | -8.16% | -26.77% | -37.92% | -35.86% | -26.69% | -30.72% | -31.02% | -32.92% | +293 bps | |
| Share Growth (YoY) | -3.06% | -0.82% | -7.24% | 8.91% | -11.55% | -21.20% | -11.80% | -25.30% | -3,421 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.89% | 1.90% | 2.21% | 2.27% | 0.23% | 4.25% | 5.29% | 0.10% | -217 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 | 1.80% | 0.52% | 6.07% | 3.12% | 5.04% | 5.99% | 6.32% | 0.83% | -229 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 9.28% | 9.13% | 8.79% | 8.45% | 6.76% | 7.37% | 6.75% | 2.86% | -559 bps | |
| Net Worth / Assets | 9.28% | 9.13% | 8.79% | 8.45% | 6.76% | 7.37% | 6.75% | 2.86% | -559 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 50.75% | 52.08% | 49.90% | 43.24% | 42.06% | 45.79% | 39.03% | 38.82% | -441 bps | |
| Liquid Assets / Assets | 48.54% | 20.96% | 35.16% | 55.12% | 47.60% | 4.79% | 53.83% | 35.74% | -1,938 bps | |