Cahokia, IL · Charter 64253
Q4 2001
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 1998 | Q4 1998 | Q2 1999 | Q4 1999 | Q2 2000 | Q4 2000 | Q2 2001 | Q4 2001 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 4.01% | 3.06% | 3.20% | 0.01% | 0.15% | 0.08% | 2.31% | -2.91% | -292 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | n/a | 0.49% | 13.02% | -18.38% | n/a | |
| Net Interest Margin | n/a | n/a | n/a | 4.78% | 4.45% | 4.86% | 4.96% | 3.42% | -137 bps | |
| Efficiency Ratio | n/a | n/a | n/a | 84.39% | 84.54% | 82.94% | 65.40% | 136.77% | +5,238 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -5.62% | 3.61% | 4.29% | 0.91% | 2.74% | -10.12% | -12.17% | -14.94% | -1,585 bps | |
| Loan Growth (YoY) | -1.89% | -5.31% | -6.38% | -8.47% | -13.04% | -11.03% | -28.46% | -45.40% | -3,693 bps | |
| Share Growth (YoY) | -7.39% | 3.51% | 5.47% | 1.84% | 4.37% | -10.98% | -13.59% | -14.92% | -1,677 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 5.05% | 4.40% | 4.83% | 4.84% | 4.79% | 6.30% | 7.99% | 2.95% | -189 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 | 1.67% | 1.10% | 1.57% | 2.56% | 3.42% | 4.06% | 5.30% | 0.00% | -256 bps | |
| Capital | ||||||||||
| Risk-Based Capital | n/a | n/a | n/a | n/a | n/a | 17.08% | 17.75% | 15.83% | n/a | |
| Net Worth / Assets | n/a | n/a | n/a | n/a | n/a | 17.08% | 17.75% | 15.83% | n/a | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 74.47% | 69.23% | 64.20% | 69.98% | 62.05% | 69.19% | 53.15% | 44.91% | -2,507 bps | |
| Liquid Assets / Assets | 17.44% | 28.60% | 31.00% | 7.43% | 22.06% | 34.59% | 47.18% | 29.56% | +2,213 bps | |