Beloit, IL · Charter 65377
Q1 2005
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2005, the quarter ended March 31, 2005, 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.
Beloit, IL · Charter 65377
Q1 2005
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 2003 | Q3 2003 | Q4 2003 | Q1 2004 | Q2 2004 | Q3 2004 | Q4 2004 | Q1 2005 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.62% | -0.09% | -0.02% | 0.11% | 1.41% | 0.51% | -8.80% | 3.42% | +331 bps | |
| Return on Equity | 3.22% | -0.48% | -0.10% | 0.59% | 7.01% | 2.56% | -56.58% | 15.95% | +1,536 bps | |
| Net Interest Margin | 5.50% | 5.65% | 5.51% | 6.24% | 6.77% | 6.07% | 7.40% | 10.78% | +453 bps | |
| Efficiency Ratio | 74.36% | 70.77% | 72.52% | 84.92% | 71.52% | 77.70% | 98.54% | 66.04% | -1,889 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 1.99% | 0.18% | -3.66% | -2.67% | -2.80% | -2.77% | -20.30% | -35.31% | -3,264 bps | |
| Loan Growth (YoY) | -7.04% | -2.35% | -4.96% | 4.11% | 3.45% | 1.84% | -2.73% | -11.06% | -1,517 bps | |
| Share Growth (YoY) | 1.35% | 0.04% | -4.39% | -2.96% | -3.20% | -4.41% | -16.45% | -36.95% | -3,399 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 15.61% | 15.56% | 10.53% | 9.48% | 10.28% | 10.91% | 17.25% | 13.81% | +433 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 | 4.63% | 3.32% | 3.89% | 3.77% | 3.70% | 4.38% | 10.47% | 10.73% | +696 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 19.22% | 19.09% | 19.40% | 19.47% | 20.07% | 20.07% | 15.54% | 21.48% | +201 bps | |
| Net Worth / Assets | 19.22% | 19.09% | 19.40% | 19.47% | 20.07% | 20.07% | 15.54% | 21.48% | +201 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 77.28% | 80.68% | 78.03% | 80.56% | 82.60% | 85.96% | 90.85% | 113.65% | +3,309 bps | |
| Liquid Assets / Assets | 38.73% | 34.85% | 37.57% | 34.42% | 33.27% | 31.45% | 27.88% | 12.85% | -2,157 bps | |