Stockton, IL · Charter 65919
Q3 2004
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2004, the quarter ended September 30, 2004, 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.
Stockton, IL · Charter 65919
Q3 2004
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 2002 | Q1 2003 | Q2 2003 | Q3 2003 | Q4 2003 | Q1 2004 | Q2 2004 | Q3 2004 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.16% | 3.11% | 4.32% | 4.36% | 3.63% | -2.10% | -6.62% | -3.77% | -812 bps | |
| Return on Equity | 8.89% | 24.13% | 29.03% | 25.11% | 19.61% | -11.52% | -39.05% | -23.64% | -4,875 bps | |
| Net Interest Margin | 7.53% | 7.13% | 7.80% | 8.39% | 8.17% | 7.51% | 7.50% | 6.52% | -187 bps | |
| Efficiency Ratio | 68.78% | 60.77% | 47.98% | 51.60% | 52.51% | 101.96% | 100.66% | 95.87% | +4,427 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 26.22% | 16.73% | 2.26% | -12.37% | -4.76% | -17.28% | -19.73% | -3.64% | +873 bps | |
| Loan Growth (YoY) | 48.11% | 4.32% | -2.85% | -23.46% | -25.37% | -26.60% | -24.42% | -27.98% | -452 bps | |
| Share Growth (YoY) | 12.64% | 7.89% | -0.27% | -15.43% | 1.01% | -15.88% | -21.52% | -1.81% | +1,361 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.46% | 2.74% | 4.05% | 5.51% | 6.84% | 10.14% | 11.20% | 12.21% | +670 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 | 3.25% | 3.48% | 3.46% | 3.59% | 4.57% | 5.09% | 9.12% | 7.40% | +380 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 13.04% | 12.88% | 14.87% | 17.35% | 18.50% | 18.19% | 16.95% | 15.94% | -141 bps | |
| Net Worth / Assets | 13.04% | 12.88% | 14.87% | 17.35% | 18.50% | 18.19% | 16.95% | 15.94% | -141 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 128.44% | 98.03% | 90.66% | 95.94% | 94.89% | 85.54% | 87.32% | 70.38% | -2,556 bps | |
| Liquid Assets / Assets | 2.79% | 22.07% | 24.26% | 21.74% | 24.38% | 31.11% | 30.25% | 41.90% | +2,016 bps | |