Danville, IL · Charter 65765
Q2 2003
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2003, the quarter ended June 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.
Danville, IL · Charter 65765
Q2 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 | Q4 2000 | Q2 2001 | Q4 2001 | Q2 2002 | Q3 2002 | Q4 2002 | Q1 2003 | Q2 2003 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.57% | -0.01% | -0.57% | -2.17% | -1.95% | -1.63% | -1.00% | -1.13% | +104 bps | |
| Return on Equity | -2.61% | -0.07% | -3.20% | -13.22% | -12.17% | -10.20% | -6.23% | -7.18% | +605 bps | |
| Net Interest Margin | 5.36% | 4.31% | 3.18% | 1.39% | 2.23% | 2.36% | 2.94% | 2.70% | +131 bps | |
| Efficiency Ratio | 79.42% | 77.96% | 104.44% | 214% | 161.79% | 150.71% | 104.64% | 109.88% | -10,435 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -12.07% | -14.09% | -4.63% | 3.50% | 20.06% | 13.52% | -1.24% | -2.79% | -629 bps | |
| Loan Growth (YoY) | -16.55% | -21.00% | -24.41% | -34.13% | -23.01% | -28.86% | -20.92% | -12.43% | +2,170 bps | |
| Share Growth (YoY) | -12.92% | -14.67% | -4.14% | 7.00% | 29.33% | 20.33% | 0.88% | -1.76% | -876 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 6.28% | 6.24% | 3.73% | 2.73% | 7.92% | 3.46% | 7.89% | 5.99% | +326 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 | 4.64% | 5.90% | 3.58% | 4.00% | 4.37% | 2.57% | 3.11% | 3.77% | -23 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 21.67% | 20.67% | 17.69% | 16.44% | 16.02% | 16.02% | 16.01% | 15.80% | -64 bps | |
| Net Worth / Assets | 21.67% | 20.67% | 17.69% | 16.44% | 16.02% | 16.02% | 16.01% | 15.80% | -64 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 81.76% | 74.18% | 57.39% | 49.40% | 48.67% | 43.85% | 44.99% | 44.03% | -537 bps | |
| Liquid Assets / Assets | 36.06% | 41.97% | 52.30% | 58.15% | 58.61% | 61.69% | 60.65% | 61.64% | +349 bps | |