Crest Hill, IL · Charter 65316
Q4 2000
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2000, the quarter ended December 31, 2000, 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.
Crest Hill, IL · Charter 65316
Q4 2000
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 1997 | Q4 1997 | Q2 1998 | Q4 1998 | Q2 1999 | Q4 1999 | Q2 2000 | Q4 2000 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 3.35% | 3.69% | 4.15% | 4.28% | 3.75% | 0.45% | 0.65% | 0.87% | -341 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | n/a | n/a | n/a | 20.02% | n/a | n/a |
| Net Interest Margin | n/a | n/a | n/a | n/a | n/a | 5.01% | 5.45% | 6.12% | n/a | |
| Efficiency Ratio | n/a | n/a | n/a | n/a | n/a | 82.30% | 77.05% | 71.72% | n/a | |
| Growth | ||||||||||
| Asset Growth (YoY) | -15.73% | -12.64% | -12.95% | -7.74% | -8.50% | -10.71% | -2.91% | -5.59% | +215 bps | |
| Loan Growth (YoY) | -4.89% | -10.77% | -3.20% | -17.36% | -34.55% | -32.74% | -31.48% | -20.86% | -349 bps | |
| Share Growth (YoY) | -19.34% | -16.16% | -16.90% | -11.76% | -12.85% | -14.07% | -4.24% | 8.82% | +2,058 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.10% | 1.64% | 1.39% | 5.12% | 5.36% | 5.82% | 4.74% | 1.93% | -319 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 | 1.12% | 1.20% | 1.39% | 1.59% | 1.91% | 1.69% | 0.45% | 3.07% | +148 bps | |
| Capital | ||||||||||
| Risk-Based Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | 4.35% | n/a | n/a |
| Net Worth / Assets | n/a | n/a | n/a | n/a | n/a | n/a | n/a | 4.35% | n/a | n/a |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 95.22% | 92.91% | 90.05% | 80.94% | 71.51% | 72.72% | 64.43% | 58.87% | -2,208 bps | |
| Liquid Assets / Assets | 15.36% | 19.60% | 17.04% | 20.23% | 37.93% | 38.50% | 43.37% | 42.92% | +2,269 bps | |