Aurora, IL · Charter 65425
Q3 2003
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2003, the quarter ended September 30, 2003, 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.
Aurora, IL · Charter 65425
Q3 2003
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 2001 | Q4 2001 | Q2 2002 | Q3 2002 | Q4 2002 | Q1 2003 | Q2 2003 | Q3 2003 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.64% | 0.04% | 0.19% | 0.02% | 0.12% | -0.03% | -0.30% | -0.82% | -83 bps | |
| Return on Equity | 5.11% | 0.34% | 1.47% | 0.13% | 0.88% | -0.20% | -2.25% | -6.27% | -639 bps | |
| Net Interest Margin | 5.43% | 5.61% | 5.01% | 5.21% | 5.21% | 4.64% | 4.57% | 4.47% | -75 bps | |
| Efficiency Ratio | 88.28% | 97.84% | 96.26% | 97.68% | 95.99% | 100.55% | 106.45% | 119.18% | +2,150 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -10.81% | -14.86% | -9.21% | -9.27% | -6.80% | 1.13% | -3.50% | -4.05% | +521 bps | |
| Loan Growth (YoY) | -2.48% | -5.06% | 2.33% | 5.80% | -2.65% | -0.05% | -9.55% | -26.06% | -3,186 bps | |
| Share Growth (YoY) | -12.51% | -16.75% | -10.19% | -10.41% | -7.61% | 1.08% | -3.72% | -4.03% | +638 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 2.61% | 1.46% | 5.01% | 5.15% | 3.83% | 0.77% | 2.31% | 2.37% | -278 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 | 1.25% | 0.34% | 0.44% | 0.42% | 0.29% | 0.46% | 0.48% | 0.57% | +15 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 12.48% | 12.85% | 12.73% | 12.98% | 13.21% | 12.82% | 13.14% | 13.02% | +4 bps | |
| Net Worth / Assets | 12.48% | 12.85% | 12.73% | 12.98% | 13.21% | 12.82% | 13.14% | 13.02% | +4 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 71.55% | 70.26% | 75.30% | 83.86% | 75.39% | 69.47% | 70.74% | 64.61% | -1,926 bps | |
| Liquid Assets / Assets | 34.68% | 35.60% | 31.42% | 24.24% | 31.55% | 21.34% | 35.56% | 41.08% | +1,684 bps | |