Galesburg, IL · Charter 65304
Q3 2004
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 2002 | Q1 2003 | Q2 2003 | Q3 2003 | Q4 2003 | Q1 2004 | Q2 2004 | Q3 2004 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.43% | 0.37% | 0.24% | 0.13% | 0.12% | 0.33% | 0.19% | 0.14% | +2 bps | |
| Return on Equity | 3.23% | 3.00% | 1.90% | 1.03% | 0.91% | 2.70% | 1.49% | 1.09% | +6 bps | |
| Net Interest Margin | 5.06% | 4.45% | 4.38% | 4.24% | 4.40% | 4.21% | 4.23% | 4.31% | +7 bps | |
| Efficiency Ratio | 91.66% | 91.90% | 94.70% | 97.09% | 97.42% | 92.64% | 95.84% | 96.91% | -19 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -2.11% | 12.71% | 9.10% | 12.41% | 5.46% | 0.45% | -0.88% | -5.54% | -1,795 bps | |
| Loan Growth (YoY) | 9.93% | 0.72% | 6.25% | 2.59% | -2.31% | -4.02% | -6.00% | -11.07% | -1,366 bps | |
| Share Growth (YoY) | -3.07% | 14.20% | 10.24% | 14.33% | 6.18% | 0.37% | -1.06% | -6.48% | -2,080 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.59% | 1.93% | 1.55% | 1.57% | 0.80% | 0.46% | 0.40% | 0.36% | -121 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 | 0.76% | 0.75% | 0.74% | 0.74% | 0.77% | 0.77% | 0.55% | 0.52% | -22 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 13.45% | 12.34% | 12.54% | 12.28% | 12.87% | 12.39% | 12.74% | 13.13% | +85 bps | |
| Net Worth / Assets | 13.45% | 12.34% | 12.54% | 12.28% | 12.87% | 12.39% | 12.74% | 13.13% | +85 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 91.37% | 83.31% | 84.72% | 82.52% | 84.07% | 79.67% | 80.49% | 78.46% | -406 bps | |
| Liquid Assets / Assets | 19.36% | 25.06% | 23.52% | 25.55% | 24.67% | 28.07% | 27.41% | 29.36% | +381 bps | |