Rock Island, IL · Charter 62627
Q2 2001
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2001, the quarter ended June 30, 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.
Rock Island, IL · Charter 62627
Q2 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 | Q4 1997 | Q2 1998 | Q4 1998 | Q2 1999 | Q4 1999 | Q2 2000 | Q4 2000 | Q2 2001 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 4.61% | 3.81% | 3.61% | 2.80% | 3.36% | 0.57% | 3.79% | 1.10% | -171 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | n/a | n/a | 37.83% | 10.78% | n/a | |
| Net Interest Margin | n/a | n/a | n/a | n/a | 6.94% | 4.11% | 7.66% | 4.69% | n/a | |
| Efficiency Ratio | n/a | n/a | n/a | n/a | 51.89% | 86.00% | 50.70% | 76.85% | n/a | |
| Growth | ||||||||||
| Asset Growth (YoY) | 9.47% | 3.94% | 8.43% | 10.38% | 11.15% | 20.28% | 9.12% | 4.79% | -559 bps | |
| Loan Growth (YoY) | -20.95% | -27.53% | -33.82% | -28.90% | -12.84% | 1.43% | 25.71% | 21.11% | +5,000 bps | |
| Share Growth (YoY) | 8.82% | 3.14% | 8.95% | 10.79% | 10.90% | 20.56% | 7.60% | 3.95% | -684 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 3.15% | 3.47% | 4.06% | 2.47% | 1.36% | 1.06% | 1.91% | 1.13% | -135 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 | 4.25% | 5.50% | 5.30% | 3.95% | 3.32% | 2.01% | 1.88% | 0.71% | -324 bps | |
| Capital | ||||||||||
| Risk-Based Capital | n/a | n/a | n/a | n/a | n/a | n/a | 10.02% | 10.17% | n/a | |
| Net Worth / Assets | n/a | n/a | n/a | n/a | n/a | n/a | 10.02% | 10.17% | n/a | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 54.10% | 50.44% | 44.12% | 40.57% | 42.52% | 42.44% | 51.54% | 47.26% | +669 bps | |
| Liquid Assets / Assets | 34.78% | 36.86% | 46.98% | 33.91% | 24.52% | 24.05% | 17.96% | 8.64% | -2,527 bps | |