Homewood, IL · Charter 65336
Q4 2003
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q4 2001 | Q2 2002 | Q3 2002 | Q4 2002 | Q1 2003 | Q2 2003 | Q3 2003 | Q4 2003 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.22% | 0.83% | 0.71% | 0.45% | 0.57% | 0.66% | 0.81% | 0.62% | +17 bps | |
| Return on Equity | 2.28% | 8.74% | 7.54% | 5.08% | 6.61% | 7.54% | 8.84% | 6.79% | +171 bps | |
| Net Interest Margin | 4.17% | 4.03% | 3.82% | 3.63% | 3.26% | 3.21% | 3.37% | 3.37% | -27 bps | |
| Efficiency Ratio | 73.05% | 68.87% | 70.49% | 68.75% | 76.50% | 73.35% | 70.09% | 68.99% | +24 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 2.49% | 6.06% | 13.82% | 16.30% | 20.34% | 14.40% | 9.31% | 3.77% | -1,253 bps | |
| Loan Growth (YoY) | 6.07% | 0.64% | 1.16% | -3.76% | -8.44% | -2.46% | -5.63% | -5.29% | -154 bps | |
| Share Growth (YoY) | 2.34% | 5.80% | 14.27% | 17.50% | 21.78% | 15.52% | 9.70% | 3.44% | -1,405 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 2.94% | 4.42% | 3.54% | 1.47% | 2.16% | 1.95% | 2.70% | 2.72% | +124 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 | 1.01% | 1.46% | 1.65% | 1.13% | 1.27% | 1.36% | 1.51% | 2.06% | +93 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 9.63% | 9.52% | 9.36% | 8.86% | 8.57% | 8.72% | 9.12% | 9.17% | +30 bps | |
| Net Worth / Assets | 9.63% | 9.52% | 9.36% | 8.86% | 8.57% | 8.72% | 9.12% | 9.17% | +30 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 71.84% | 64.27% | 62.47% | 58.70% | 54.01% | 54.26% | 53.74% | 53.74% | -496 bps | |
| Liquid Assets / Assets | 33.96% | 40.99% | 42.71% | 45.79% | 43.21% | 37.18% | 50.47% | 50.84% | +505 bps | |