West Chicago, IL · Charter 65925
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.
West Chicago, IL · Charter 65925
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 | 0.22% | -0.24% | 0.06% | -0.73% | -1.02% | -0.45% | -0.33% | -1.52% | -78 bps | |
| Return on Equity | n/a | n/a | 0.37% | -5.23% | -7.00% | -3.44% | -2.54% | -10.76% | -552 bps | |
| Net Interest Margin | 7.12% | 6.58% | 7.47% | 6.87% | 7.37% | 6.13% | 6.08% | 7.05% | +18 bps | |
| Efficiency Ratio | 81.39% | 83.61% | 82.76% | 86.83% | 88.27% | 87.90% | 86.08% | 99.76% | +1,293 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -5.43% | -4.97% | -8.06% | -8.35% | -7.58% | -10.16% | 0.56% | -18.25% | -990 bps | |
| Loan Growth (YoY) | -5.80% | -2.56% | 2.89% | -17.22% | -24.01% | -30.27% | -34.16% | -31.74% | -1,451 bps | |
| Share Growth (YoY) | -5.96% | -5.31% | -8.96% | -8.65% | -6.98% | -9.84% | 2.95% | -18.38% | -973 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 3.42% | 4.29% | 4.06% | 8.74% | 6.11% | 4.34% | 4.61% | 5.75% | -299 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 | 1.21% | 2.15% | 1.60% | 1.99% | 2.08% | 2.50% | 2.88% | 3.20% | +121 bps | |
| Capital | ||||||||||
| Risk-Based Capital | n/a | n/a | 15.07% | 14.01% | 14.59% | 13.11% | 13.06% | 14.11% | +10 bps | |
| Net Worth / Assets | n/a | n/a | 15.07% | 14.01% | 14.59% | 13.11% | 13.06% | 14.11% | +10 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 110.31% | 98.23% | 112.40% | 93.53% | 90.11% | 75.97% | 71.88% | 78.22% | -1,531 bps | |
| Liquid Assets / Assets | 2.90% | 12.67% | 3.98% | 19.35% | 22.49% | 33.77% | 37.38% | 32.76% | +1,341 bps | |