Naperville, IL · Charter 65915
Q4 2001
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q2 1998 | Q4 1998 | Q2 1999 | Q4 1999 | Q2 2000 | Q4 2000 | Q2 2001 | Q4 2001 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 6.58% | 5.95% | 5.23% | 1.90% | 0.39% | 0.53% | -3.17% | -6.04% | -794 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | n/a | 4.57% | -33.74% | -181.22% | n/a | |
| Net Interest Margin | n/a | n/a | n/a | 3.99% | 4.04% | 3.85% | 3.84% | 3.41% | -58 bps | |
| Efficiency Ratio | n/a | n/a | n/a | 50.55% | 87.66% | 87.11% | 76.55% | 146.99% | +9,644 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 46.21% | 50.18% | 33.91% | 21.82% | 17.80% | 5.94% | 6.58% | 18.32% | -349 bps | |
| Loan Growth (YoY) | 98.19% | 84.45% | 66.76% | 32.92% | 17.88% | 11.79% | 2.17% | -1.50% | -3,443 bps | |
| Share Growth (YoY) | 44.25% | 48.73% | 30.37% | 18.93% | 15.97% | 3.67% | 8.01% | 25.35% | +642 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.71% | 1.04% | 0.79% | 1.66% | 7.95% | 8.33% | 7.33% | 6.24% | +458 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% | 0.68% | 0.83% | 0.88% | 1.01% | 0.17% | 2.51% | 4.69% | +381 bps | |
| Capital | ||||||||||
| Risk-Based Capital | n/a | n/a | n/a | n/a | n/a | 11.65% | 9.38% | 3.33% | n/a | |
| Net Worth / Assets | n/a | n/a | n/a | n/a | n/a | 11.65% | 9.38% | 3.33% | n/a | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 95.63% | 93.82% | 98.57% | 92.72% | 97.20% | 101.16% | 93.23% | 72.86% | -1,986 bps | |
| Liquid Assets / Assets | 10.24% | 6.77% | 9.51% | 6.31% | 7.13% | 7.79% | 14.61% | 32.18% | +2,587 bps | |