Quincy, IL · Charter 63560
Q4 2001
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q2 1998 | Q4 1998 | Q2 1999 | Q4 1999 | Q2 2000 | Q4 2000 | Q2 2001 | Q4 2001 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 3.88% | 3.36% | 3.51% | 0.07% | 0.47% | 0.05% | 2.35% | 0.20% | +13 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | n/a | 0.18% | 8.28% | 0.73% | n/a | |
| Net Interest Margin | n/a | n/a | n/a | 3.29% | 4.05% | 3.68% | 6.14% | 3.73% | +44 bps | |
| Efficiency Ratio | n/a | n/a | n/a | 97.96% | 88.73% | 98.67% | 62.08% | 93.65% | -432 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -10.63% | -4.11% | -1.70% | -4.88% | -7.13% | -14.21% | -14.75% | -6.43% | -155 bps | |
| Loan Growth (YoY) | 7.17% | 2.67% | -5.29% | -0.07% | -1.61% | -3.16% | -6.98% | -19.70% | -1,963 bps | |
| Share Growth (YoY) | -15.19% | -5.18% | -2.53% | -7.06% | -9.52% | -18.74% | -19.18% | -8.53% | -147 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.05% | 0.19% | 0.00% | 0.25% | 0.00% | 0.31% | 1.27% | 2.13% | +188 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 | 0.48% | 0.48% | 0.47% | 0.47% | 0.47% | 0.36% | 0.39% | 0.46% | -1 bps | |
| Capital | ||||||||||
| Risk-Based Capital | n/a | n/a | n/a | n/a | n/a | 28.11% | 28.35% | 27.98% | n/a | |
| Net Worth / Assets | n/a | n/a | n/a | n/a | n/a | 28.11% | 28.35% | 27.98% | n/a | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 84.31% | 82.28% | 77.58% | 88.32% | 91.68% | 98.05% | 89.29% | 77.54% | -1,078 bps | |
| Liquid Assets / Assets | 23.14% | 26.68% | 26.94% | 24.18% | 25.29% | 6.93% | 31.41% | 33.96% | +979 bps | |