Hennepin, IL · Charter 64910
Q4 2002
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2002, the quarter ended December 31, 2002, 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.
Hennepin, IL · Charter 64910
Q4 2002
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 | Q4 1999 | Q2 2000 | Q4 2000 | Q2 2001 | Q4 2001 | Q2 2002 | Q3 2002 | Q4 2002 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.66% | 0.09% | -0.08% | -0.50% | 0.05% | -1.74% | -1.55% | -7.48% | -699 bps | |
| Return on Equity | n/a | n/a | -0.47% | -2.78% | 0.25% | -6.55% | -5.36% | -28.49% | -2,571 bps | |
| Net Interest Margin | 5.15% | 4.98% | 5.03% | 5.75% | 6.79% | 6.87% | 7.34% | 8.30% | +255 bps | |
| Efficiency Ratio | 81.53% | 98.37% | 101.44% | 108.54% | 99.25% | 125.15% | 119.51% | 134.07% | +2,554 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 5.06% | -6.12% | -3.96% | -19.29% | -24.99% | -39.34% | -44.43% | -45.20% | -2,591 bps | |
| Loan Growth (YoY) | 5.11% | 16.06% | 8.32% | -14.56% | -18.38% | -41.78% | -43.06% | -41.49% | -2,693 bps | |
| Share Growth (YoY) | 4.25% | -8.00% | -4.79% | -22.28% | -29.96% | -46.90% | -52.75% | -50.64% | -2,836 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.29% | 1.67% | 6.61% | 0.38% | 0.00% | 19.12% | 21.67% | 18.08% | +1,770 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 | 0.73% | 0.68% | 0.70% | 0.85% | 0.64% | 0.82% | 0.92% | 5.41% | +457 bps | |
| Capital | ||||||||||
| Risk-Based Capital | n/a | n/a | 16.43% | 17.90% | 21.58% | 26.51% | 28.87% | 26.27% | +837 bps | |
| Net Worth / Assets | n/a | n/a | 16.43% | 17.90% | 21.58% | 26.51% | 28.87% | 26.27% | +837 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 91.03% | 101.45% | 92.92% | 86.76% | 106.08% | 111.24% | 111.97% | 102.83% | +1,607 bps | |
| Liquid Assets / Assets | 11.86% | 13.24% | 13.34% | 1.71% | 8.87% | 15.09% | 13.80% | 5.43% | +372 bps | |