East St Louis, IL · Charter 64866
Q3 2003
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2003, the quarter ended September 30, 2003, 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.
East St Louis, IL · Charter 64866
Q3 2003
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 2001 | Q4 2001 | Q2 2002 | Q3 2002 | Q4 2002 | Q1 2003 | Q2 2003 | Q3 2003 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.02% | -1.70% | 0.26% | -0.71% | -0.79% | -6.19% | -3.48% | -2.10% | -139 bps | |
| Return on Equity | -0.09% | -10.07% | 1.57% | -4.41% | -4.72% | -43.25% | -23.31% | -14.73% | -1,032 bps | |
| Net Interest Margin | 7.76% | 7.71% | 7.03% | 7.21% | 7.24% | 6.68% | 6.24% | 6.01% | -121 bps | |
| Efficiency Ratio | 89.33% | 94.81% | 74.55% | 80.76% | 84.70% | 106.23% | 107.34% | 101.76% | +2,100 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -4.14% | -2.53% | -4.93% | 0.08% | -8.20% | 1.83% | -3.80% | -0.62% | -70 bps | |
| Loan Growth (YoY) | -13.80% | -9.18% | -19.59% | -17.09% | -13.97% | -23.78% | -19.04% | -7.60% | +949 bps | |
| Share Growth (YoY) | -3.33% | -0.21% | -2.90% | 2.83% | -6.71% | 5.18% | -1.45% | 1.70% | -113 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 4.40% | 2.67% | 8.74% | 9.64% | 11.96% | 11.78% | 12.07% | 11.51% | +187 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 | 2.56% | 2.45% | 2.85% | 3.51% | 3.50% | 6.18% | 6.27% | 5.77% | +226 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 17.61% | 16.91% | 16.34% | 16.16% | 16.65% | 14.30% | 14.91% | 14.25% | -191 bps | |
| Net Worth / Assets | 17.61% | 16.91% | 16.34% | 16.16% | 16.65% | 14.30% | 14.91% | 14.25% | -191 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 78.20% | 85.84% | 73.73% | 71.97% | 72.11% | 62.21% | 60.57% | 65.38% | -658 bps | |
| Liquid Assets / Assets | 2.74% | 2.90% | 2.79% | 2.87% | 3.00% | 47.17% | 48.63% | 44.40% | +4,152 bps | |