Huntley, IL · Charter 63801
Q2 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 | Q3 2002 | Q4 2002 | Q1 2003 | Q2 2003 | Q3 2003 | Q4 2003 | Q1 2004 | Q2 2004 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.19% | -0.22% | -0.31% | 0.03% | -1.61% | -2.46% | 0.00% | 0.09% | +5 bps | |
| Return on Equity | -2.23% | -2.55% | -3.89% | 0.43% | -25.75% | -47.12% | 0.06% | 1.69% | +126 bps | |
| Net Interest Margin | 4.80% | 4.75% | 3.79% | 3.68% | 3.25% | 3.26% | 3.36% | 3.22% | -46 bps | |
| Efficiency Ratio | 95.68% | 98.11% | 107.31% | 99.17% | 100.94% | 132.60% | 99.92% | 97.82% | -135 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 2.26% | -2.56% | 6.27% | -6.91% | 14.73% | 13.21% | 5.37% | 7.90% | +1,481 bps | |
| Loan Growth (YoY) | -31.05% | -27.45% | -23.63% | -19.03% | -12.98% | -1.89% | 3.51% | 5.91% | +2,494 bps | |
| Share Growth (YoY) | 2.34% | -1.98% | 7.96% | -7.41% | 17.59% | 17.01% | 7.90% | 11.56% | +1,897 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 3.92% | 8.39% | 7.99% | 7.00% | 6.52% | 7.97% | 8.37% | 6.15% | -85 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 | 1.33% | 1.41% | 0.93% | 0.95% | 3.77% | 3.40% | 3.43% | 2.85% | +190 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 8.65% | 8.70% | 8.01% | 8.22% | 6.27% | 5.23% | 5.22% | 5.21% | -301 bps | |
| Net Worth / Assets | 8.65% | 8.70% | 8.01% | 8.22% | 6.27% | 5.23% | 5.22% | 5.21% | -301 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 60.61% | 57.69% | 50.05% | 49.98% | 44.85% | 48.37% | 48.02% | 47.45% | -253 bps | |
| Liquid Assets / Assets | 42.29% | 44.79% | 51.46% | 51.75% | 56.80% | 53.36% | 45.40% | 53.57% | +181 bps | |