Bradley, IL · Charter 65485
Q3 2004
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q4 2002 | Q1 2003 | Q2 2003 | Q3 2003 | Q4 2003 | Q1 2004 | Q2 2004 | Q3 2004 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 4.21% | 0.19% | 0.17% | -0.25% | -2.62% | -0.72% | 0.17% | 0.26% | +51 bps | |
| Return on Equity | 20.21% | 1.01% | 0.91% | -1.31% | -15.34% | -4.30% | 0.95% | 1.42% | +273 bps | |
| Net Interest Margin | 7.03% | 6.51% | 6.27% | 6.44% | 6.65% | 6.08% | 6.66% | 7.04% | +60 bps | |
| Efficiency Ratio | 62.81% | 97.41% | 97.61% | 95.73% | 96.62% | 110.98% | 97.81% | 96.84% | +111 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -3.60% | 11.40% | 1.01% | 3.68% | 5.73% | -3.28% | -6.32% | -7.02% | -1,070 bps | |
| Loan Growth (YoY) | -13.11% | -12.77% | -15.98% | -4.18% | 7.14% | 2.73% | 9.64% | 17.03% | +2,121 bps | |
| Share Growth (YoY) | -4.69% | 14.77% | 1.97% | 4.72% | 10.70% | -0.69% | -4.80% | -5.92% | -1,064 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.00% | 4.37% | 3.83% | 9.48% | 9.17% | 18.15% | 15.56% | 17.12% | +763 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 | 3.80% | 3.85% | 3.89% | 2.29% | 5.91% | 6.24% | 5.91% | 5.15% | +286 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 20.82% | 18.92% | 18.78% | 19.02% | 17.08% | 16.74% | 17.39% | 18.11% | -92 bps | |
| Net Worth / Assets | 20.82% | 18.92% | 18.78% | 19.02% | 17.08% | 16.74% | 17.39% | 18.11% | -92 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 73.41% | 64.18% | 63.16% | 69.98% | 71.05% | 66.38% | 72.74% | 87.05% | +1,707 bps | |
| Liquid Assets / Assets | 42.08% | 48.09% | 48.99% | 43.01% | 42.62% | 46.06% | 41.55% | 30.54% | -1,247 bps | |