Palos Hills, IL · Charter 62732
Q2 2002
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2002, the quarter ended June 30, 2002, 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.
Palos Hills, IL · Charter 62732
Q2 2002
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 1998 | Q2 1999 | Q4 1999 | Q2 2000 | Q4 2000 | Q2 2001 | Q4 2001 | Q2 2002 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.90% | 2.59% | 0.47% | -0.11% | -0.23% | 1.17% | 0.10% | -5.10% | -499 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | -0.99% | 5.23% | 0.42% | -24.17% | n/a | |
| Net Interest Margin | n/a | n/a | 5.73% | 6.05% | 6.73% | 6.97% | 7.27% | 6.38% | +33 bps | |
| Efficiency Ratio | n/a | n/a | 93.29% | 101.57% | 99.15% | 85.73% | 96.67% | 127.24% | +2,567 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -17.63% | -18.59% | -20.18% | -19.97% | -6.84% | -11.38% | -11.86% | -14.85% | +512 bps | |
| Loan Growth (YoY) | -30.88% | -38.46% | -36.94% | -16.14% | 16.00% | 42.06% | 33.06% | -8.97% | +718 bps | |
| Share Growth (YoY) | -19.88% | -21.04% | -23.30% | -22.70% | -8.99% | -13.66% | -13.63% | -14.71% | +799 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 7.98% | 7.62% | 7.06% | 7.14% | 10.39% | 5.39% | 6.69% | 11.46% | +432 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 | 6.54% | 4.25% | 4.88% | 2.26% | 2.11% | 1.60% | 1.83% | 3.86% | +160 bps | |
| Capital | ||||||||||
| Risk-Based Capital | n/a | n/a | n/a | n/a | 22.72% | 22.35% | 23.70% | 21.12% | n/a | |
| Net Worth / Assets | n/a | n/a | n/a | n/a | 22.72% | 22.35% | 23.70% | 21.12% | n/a | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 80.03% | 61.93% | 67.36% | 76.77% | 102.00% | 101.89% | 103.77% | 81.93% | +517 bps | |
| Liquid Assets / Assets | 23.16% | 44.98% | 0.00% | 34.49% | 19.28% | 18.77% | 18.48% | 33.03% | -146 bps | |