Galesburg, IL · Charter 65889
Q4 2001
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 1998 | Q4 1998 | Q2 1999 | Q4 1999 | Q2 2000 | Q4 2000 | Q2 2001 | Q4 2001 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 3.89% | 0.84% | 3.24% | 1.20% | -2.07% | -1.76% | -1.35% | 0.31% | -89 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | n/a | -9.23% | -7.89% | 1.75% | n/a | |
| Net Interest Margin | n/a | n/a | n/a | 6.72% | 7.13% | 8.95% | 6.97% | 6.68% | -4 bps | |
| Efficiency Ratio | n/a | n/a | n/a | 80.68% | 91.24% | 81.68% | 80.69% | 75.77% | -491 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 0.66% | 0.32% | 41.05% | 47.28% | 27.04% | 3.35% | -27.62% | -28.74% | -7,602 bps | |
| Loan Growth (YoY) | -10.28% | -15.36% | 24.47% | 28.75% | 27.56% | 18.11% | -39.12% | -50.74% | -7,949 bps | |
| Share Growth (YoY) | -4.49% | 0.05% | 49.43% | 73.90% | 37.45% | -6.81% | -29.83% | -32.00% | -10,590 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.94% | 5.82% | 1.06% | 2.90% | 1.68% | 3.15% | 7.52% | 1.63% | -127 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 | 0.48% | 1.42% | 0.61% | 1.12% | 1.69% | 2.84% | 3.62% | 0.49% | -63 bps | |
| Capital | ||||||||||
| Risk-Based Capital | n/a | n/a | n/a | n/a | n/a | 19.11% | 17.16% | 17.96% | n/a | |
| Net Worth / Assets | n/a | n/a | n/a | n/a | n/a | 19.11% | 17.16% | 17.96% | n/a | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 103.27% | 98.45% | 93.56% | 95.67% | 95.83% | 124.77% | 81.18% | 69.30% | -2,637 bps | |
| Liquid Assets / Assets | 12.33% | 14.08% | 16.59% | 0.00% | 0.98% | 8.91% | 32.44% | 41.34% | +4,134 bps | |