Decatur, IL · Charter 64273
Q4 2000
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 1997 | Q4 1997 | Q2 1998 | Q4 1998 | Q2 1999 | Q4 1999 | Q2 2000 | Q4 2000 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 2.88% | 3.09% | 3.06% | 3.37% | 3.13% | 0.03% | -0.11% | -0.70% | -407 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | n/a | n/a | n/a | -6.05% | n/a | n/a |
| Net Interest Margin | n/a | n/a | n/a | n/a | n/a | 3.82% | 3.82% | 4.17% | n/a | |
| Efficiency Ratio | n/a | n/a | n/a | n/a | n/a | 94.69% | 95.06% | 106.54% | n/a | |
| Growth | ||||||||||
| Asset Growth (YoY) | -8.38% | -5.83% | -4.25% | -4.93% | -4.62% | 1.55% | -7.91% | -6.86% | -193 bps | |
| Loan Growth (YoY) | -0.12% | -0.12% | 1.20% | -8.64% | 0.82% | -2.16% | -9.56% | -4.49% | +415 bps | |
| Share Growth (YoY) | -10.15% | -7.11% | -5.80% | -6.46% | -5.91% | 1.20% | -8.98% | -7.10% | -65 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.39% | 0.41% | 0.44% | 0.61% | 0.40% | 0.69% | 0.39% | 0.23% | -38 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 | 0.71% | 0.66% | 0.69% | 0.72% | 0.55% | 0.73% | 0.64% | 0.53% | -19 bps | |
| Capital | ||||||||||
| Risk-Based Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | 11.52% | n/a | n/a |
| Net Worth / Assets | n/a | n/a | n/a | n/a | n/a | n/a | n/a | 11.52% | n/a | n/a |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 74.87% | 75.28% | 75.36% | 79.18% | 80.22% | 72.78% | 74.87% | 81.41% | +222 bps | |
| Liquid Assets / Assets | 21.09% | 22.72% | 23.31% | 21.87% | 21.71% | 9.97% | 3.18% | 16.33% | -554 bps | |