Joliet, IL · Charter 63406
Q4 2003
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2003, the quarter ended December 31, 2003, 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.
Joliet, IL · Charter 63406
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 | 0.25% | 0.40% | 0.67% | 0.27% | 0.40% | 0.47% | 0.30% | -1.93% | -220 bps | |
| Return on Equity | 3.51% | 6.29% | 10.17% | 4.07% | 4.62% | 4.02% | 2.68% | -18.75% | -2,282 bps | |
| Net Interest Margin | 3.86% | 3.37% | 3.30% | 3.48% | 4.86% | 5.91% | 5.79% | 6.35% | +287 bps | |
| Efficiency Ratio | 85.66% | 88.10% | 79.69% | 75.58% | 59.54% | 62.03% | 66.73% | 73.38% | -220 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 16.41% | 25.07% | 30.20% | 17.87% | -17.94% | -42.93% | -42.79% | -44.72% | -6,258 bps | |
| Loan Growth (YoY) | -18.48% | -7.77% | -15.29% | -8.14% | -16.77% | -18.03% | -8.91% | -22.01% | -1,386 bps | |
| Share Growth (YoY) | 17.08% | 27.32% | 31.73% | 19.36% | -19.37% | -46.09% | -45.72% | -46.85% | -6,620 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.41% | 3.86% | 2.06% | 1.84% | 7.85% | 1.01% | 0.39% | 3.49% | +165 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 | 2.72% | 3.51% | 3.73% | 5.25% | 4.71% | 5.53% | 5.90% | 3.08% | -217 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 7.07% | 6.42% | 6.63% | 6.76% | 8.69% | 11.59% | 11.38% | 10.29% | +354 bps | |
| Net Worth / Assets | 7.07% | 6.42% | 6.63% | 6.76% | 8.69% | 11.59% | 11.38% | 10.29% | +354 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 45.87% | 41.24% | 38.23% | 40.66% | 47.35% | 62.71% | 64.15% | 59.67% | +1,900 bps | |
| Liquid Assets / Assets | 56.91% | 57.41% | 61.25% | 63.22% | 57.28% | 45.78% | 44.85% | 46.48% | -1,674 bps | |