Rockford, IL · Charter 65355
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 | -0.88% | -1.78% | -1.14% | -0.74% | 0.14% | 0.17% | 0.19% | 0.01% | +75 bps | |
| Return on Equity | -6.61% | -14.60% | -8.37% | -5.01% | 0.96% | 1.12% | 1.04% | 0.05% | +506 bps | |
| Net Interest Margin | 5.98% | 4.56% | 7.03% | 5.44% | 5.02% | 5.23% | 5.89% | 6.05% | +62 bps | |
| Efficiency Ratio | 75.13% | 111.34% | 103.16% | 100.25% | 97.50% | 97.12% | 92.79% | 94.01% | -624 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 0.20% | -8.33% | -6.17% | -25.14% | -11.47% | -19.49% | -22.54% | -21.10% | +404 bps | |
| Loan Growth (YoY) | -30.70% | -35.59% | -34.01% | -16.99% | -15.88% | 6.18% | 1.99% | -2.79% | +1,419 bps | |
| Share Growth (YoY) | 2.67% | -5.91% | -6.03% | -30.82% | -12.87% | -22.47% | -26.21% | -21.37% | +945 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 2.28% | 1.30% | 0.23% | 1.06% | 1.41% | 0.68% | 2.85% | 5.35% | +429 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 | 2.07% | 3.41% | 2.87% | 3.27% | 3.15% | 2.93% | 3.14% | 2.94% | -33 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 13.33% | 12.21% | 13.58% | 14.81% | 14.37% | 15.58% | 17.88% | 18.78% | +397 bps | |
| Net Worth / Assets | 13.33% | 12.21% | 13.58% | 14.81% | 14.37% | 15.58% | 17.88% | 18.78% | +397 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 64.91% | 56.04% | 63.34% | 70.67% | 62.67% | 76.74% | 87.55% | 87.36% | +1,669 bps | |
| Liquid Assets / Assets | 30.45% | 7.08% | 9.78% | 4.61% | 9.87% | 9.04% | 26.99% | 27.89% | +2,328 bps | |