Springfield, IL · Charter 65806
Q4 2002
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2002, the quarter ended December 31, 2002, 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.
Springfield, IL · Charter 65806
Q4 2002
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 1999 | Q2 2000 | Q4 2000 | Q2 2001 | Q4 2001 | Q2 2002 | Q3 2002 | Q4 2002 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 2.66% | -1.82% | 0.71% | 1.03% | 0.36% | -0.65% | 1.26% | -1.74% | -276 bps | |
| Return on Equity | n/a | n/a | 1.86% | 2.93% | 1.00% | -1.86% | 3.55% | -4.58% | -751 bps | |
| Net Interest Margin | 6.53% | 5.24% | 5.93% | 4.20% | 3.57% | 2.57% | 2.75% | 2.49% | -170 bps | |
| Efficiency Ratio | 49.31% | 66.32% | 56.38% | 72.46% | 88.04% | 125.23% | 66.69% | 127.09% | +5,462 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -4.84% | 5.76% | 7.05% | 10.21% | 16.45% | 3.82% | 11.71% | -12.12% | -2,233 bps | |
| Loan Growth (YoY) | -22.72% | -35.90% | -38.88% | -45.92% | -51.10% | -49.34% | -55.99% | -51.62% | -570 bps | |
| Share Growth (YoY) | -14.67% | 4.68% | 5.71% | 11.14% | 25.69% | 3.65% | 16.94% | -16.00% | -2,714 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.00% | 0.00% | 0.87% | 0.00% | 6.04% | 7.47% | 9.35% | 7.11% | +711 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 | 0.00% | 1.11% | 1.21% | 1.85% | 2.17% | 2.68% | 3.36% | 7.42% | +557 bps | |
| Capital | ||||||||||
| Risk-Based Capital | n/a | n/a | 38.38% | 35.04% | 35.95% | 35.25% | 35.54% | 37.94% | +290 bps | |
| Net Worth / Assets | n/a | n/a | 38.38% | 35.04% | 35.95% | 35.25% | 35.54% | 37.94% | +290 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 73.94% | 46.47% | 47.25% | 32.10% | 28.77% | 22.71% | 17.78% | 18.49% | -1,361 bps | |
| Liquid Assets / Assets | 45.94% | 65.54% | 69.75% | 77.95% | 80.50% | 83.86% | 87.27% | 87.64% | +969 bps | |