Lasalle, IL · Charter 65029
Q2 2001
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2001, the quarter ended June 30, 2001, 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.
Lasalle, IL · Charter 65029
Q2 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 | Q4 1997 | Q2 1998 | Q4 1998 | Q2 1999 | Q4 1999 | Q2 2000 | Q4 2000 | Q2 2001 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 3.17% | 3.75% | 2.52% | 1.22% | 0.00% | 2.52% | 0.57% | 3.21% | +199 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | n/a | n/a | 4.07% | 25.12% | n/a | |
| Net Interest Margin | n/a | n/a | n/a | n/a | 3.31% | 6.14% | 3.89% | 7.05% | n/a | |
| Efficiency Ratio | n/a | n/a | n/a | n/a | 93.78% | 48.03% | 63.19% | 57.47% | n/a | |
| Growth | ||||||||||
| Asset Growth (YoY) | -8.26% | -7.25% | -10.17% | -4.18% | 5.26% | -9.96% | -7.67% | -13.85% | -967 bps | |
| Loan Growth (YoY) | 47.45% | 63.65% | 4.71% | -29.60% | -21.99% | -25.30% | 1.93% | 8.70% | +3,830 bps | |
| Share Growth (YoY) | -9.18% | -7.79% | -13.29% | -2.46% | 8.36% | -9.51% | -7.85% | -15.94% | -1,349 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 5.78% | 13.54% | 6.00% | 4.35% | 4.35% | 3.68% | 2.89% | 2.77% | -157 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 | 2.94% | 2.79% | 4.67% | 4.42% | 1.60% | 2.22% | 2.05% | 2.98% | -144 bps | |
| Capital | ||||||||||
| Risk-Based Capital | n/a | n/a | n/a | n/a | n/a | n/a | 14.00% | 12.77% | n/a | |
| Net Worth / Assets | n/a | n/a | n/a | n/a | n/a | n/a | 14.00% | 12.77% | n/a | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 73.26% | 71.86% | 60.49% | 52.86% | 52.74% | 59.32% | 66.91% | 68.36% | +1,550 bps | |
| Liquid Assets / Assets | 28.56% | 37.86% | 2.14% | 3.01% | 0.00% | 0.00% | 42.41% | 41.11% | +3,809 bps | |