Belleville, IL · Charter 65314
Q3 2004
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2004, the quarter ended September 30, 2004, 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.
Belleville, IL · Charter 65314
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 | 1.15% | -0.58% | -0.74% | 0.37% | 0.01% | 1.72% | 2.65% | 1.57% | +120 bps | |
| Return on Equity | 3.66% | -1.98% | -2.18% | 1.11% | 0.03% | 6.43% | 9.06% | 4.74% | +363 bps | |
| Net Interest Margin | 8.16% | 7.40% | 7.88% | 7.26% | 6.46% | 7.18% | 7.55% | 8.01% | +76 bps | |
| Efficiency Ratio | 85.94% | 107.84% | 109.41% | 94.93% | 99.83% | 76.06% | 66.99% | 80.66% | -1,427 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 0.42% | 9.99% | -7.60% | -8.07% | -4.29% | 12.26% | 23.38% | 2.88% | +1,095 bps | |
| Loan Growth (YoY) | -1.19% | -14.36% | -3.28% | -9.35% | -2.55% | -2.06% | -10.27% | -37.06% | -2,772 bps | |
| Share Growth (YoY) | 2.50% | 14.85% | -8.56% | -11.10% | -6.17% | 17.21% | 33.09% | 3.49% | +1,459 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 13.12% | 8.80% | 6.98% | 5.73% | 8.76% | 19.22% | 0.00% | 0.00% | -573 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 | 8.74% | 9.63% | 9.85% | 9.51% | 8.97% | 9.83% | 10.97% | 15.11% | +560 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 31.35% | 29.38% | 34.07% | 33.15% | 32.79% | 26.74% | 29.27% | 33.14% | -1 bps | |
| Net Worth / Assets | 31.35% | 29.38% | 34.07% | 33.15% | 32.79% | 26.74% | 29.27% | 33.14% | -1 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 81.97% | 70.31% | 83.64% | 83.66% | 85.13% | 58.75% | 56.39% | 50.88% | -3,278 bps | |
| Liquid Assets / Assets | 42.98% | 55.99% | 44.22% | 44.92% | 41.82% | 57.35% | 59.36% | 65.97% | +2,105 bps | |