Hometown, IL · Charter 63579
Q1 2004
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2004, the quarter ended March 31, 2004, 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.
Hometown, IL · Charter 63579
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 | 0.02% | -0.24% | -0.37% | -1.34% | -0.85% | -0.84% | -0.61% | -2.19% | -85 bps | |
| Return on Equity | 0.18% | -1.90% | -2.86% | -11.00% | -7.11% | -7.42% | -5.20% | -17.57% | -657 bps | |
| Net Interest Margin | 3.28% | 2.99% | 3.05% | 2.41% | 2.40% | 2.19% | 2.25% | 2.02% | -39 bps | |
| Efficiency Ratio | 99.31% | 107.88% | 112.01% | 155.28% | 135.10% | 138.20% | 126.95% | 208% | +5,306 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -6.58% | 2.36% | 1.24% | 7.88% | -0.65% | 2.73% | 4.51% | -7.99% | -1,587 bps | |
| Loan Growth (YoY) | -9.74% | -16.54% | -8.05% | -19.13% | -25.57% | -21.20% | -18.24% | -26.77% | -764 bps | |
| Share Growth (YoY) | -8.68% | 1.65% | 1.20% | 10.01% | 0.18% | 4.04% | 5.87% | -8.31% | -1,832 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.50% | 4.01% | 3.87% | 5.20% | 8.69% | 7.02% | 22.08% | 0.09% | -511 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 | 2.53% | 2.91% | 3.14% | 3.38% | 3.40% | 3.69% | 3.84% | 2.73% | -65 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 12.60% | 12.41% | 12.85% | 12.17% | 11.91% | 11.30% | 11.68% | 12.48% | +31 bps | |
| Net Worth / Assets | 12.60% | 12.41% | 12.85% | 12.17% | 11.91% | 11.30% | 11.68% | 12.48% | +31 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 21.06% | 18.28% | 17.87% | 16.01% | 15.64% | 13.85% | 13.80% | 12.78% | -322 bps | |
| Liquid Assets / Assets | 79.54% | 58.66% | 58.12% | 43.70% | 68.89% | 74.77% | 69.12% | 75.55% | +3,185 bps | |