Rockford, IL · Charter 65625
Q4 2000
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 1997 | Q4 1997 | Q2 1998 | Q4 1998 | Q2 1999 | Q4 1999 | Q2 2000 | Q4 2000 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 3.12% | 3.33% | 3.22% | 3.40% | 3.12% | 0.52% | 0.81% | 0.96% | -244 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | n/a | n/a | n/a | 10.91% | n/a | n/a |
| Net Interest Margin | n/a | n/a | n/a | n/a | n/a | 4.17% | 3.96% | 4.22% | n/a | |
| Efficiency Ratio | n/a | n/a | n/a | n/a | n/a | 81.55% | 81.75% | 78.52% | n/a | |
| Growth | ||||||||||
| Asset Growth (YoY) | -3.27% | -2.04% | -0.26% | 8.39% | 4.16% | 2.00% | 4.82% | -2.40% | -1,079 bps | |
| Loan Growth (YoY) | -7.43% | -0.74% | 8.25% | 9.30% | 3.59% | -1.80% | 0.75% | 6.75% | -255 bps | |
| Share Growth (YoY) | -3.83% | -3.00% | -1.69% | 6.85% | 1.77% | 0.95% | 4.39% | -3.64% | -1,049 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.62% | 1.37% | 1.51% | 2.19% | 0.89% | 0.47% | 0.21% | 0.06% | -213 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 | 0.59% | 0.67% | 0.62% | 0.68% | 0.60% | 0.71% | 0.57% | 0.15% | -52 bps | |
| Capital | ||||||||||
| Risk-Based Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | 8.78% | n/a | n/a |
| Net Worth / Assets | n/a | n/a | n/a | n/a | n/a | n/a | n/a | 8.78% | n/a | n/a |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 48.95% | 54.02% | 51.53% | 50.46% | 49.83% | 52.55% | 49.73% | 55.90% | +544 bps | |
| Liquid Assets / Assets | 22.17% | 18.89% | 16.59% | 13.73% | 11.20% | 13.03% | 13.57% | 17.20% | +347 bps | |