Danville, IL · Charter 65937
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 | 0.09% | 2.63% | 4.35% | 4.61% | 0.01% | 3.55% | 4.54% | 4.77% | +16 bps | |
| Return on Equity | 0.64% | 19.27% | 27.39% | 26.74% | 0.06% | 23.05% | 26.80% | 25.36% | -138 bps | |
| Net Interest Margin | 4.10% | 5.45% | 6.19% | 6.30% | 4.80% | 6.05% | 6.26% | 6.31% | +1 bps | |
| Efficiency Ratio | 88.32% | 57.53% | 40.66% | 37.58% | 99.56% | 49.51% | 38.01% | 35.37% | -222 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -3.91% | -1.85% | -10.77% | -10.00% | -12.17% | -10.44% | -6.60% | -9.42% | +59 bps | |
| Loan Growth (YoY) | -41.04% | -22.99% | 14.40% | 17.75% | 22.63% | 8.07% | -4.58% | -19.27% | -3,702 bps | |
| Share Growth (YoY) | -2.41% | 3.47% | -11.81% | -11.00% | -13.51% | -12.26% | -7.79% | -11.13% | -12 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.12% | 0.22% | 0.00% | 0.00% | 0.19% | 0.21% | 0.00% | 0.77% | +77 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 | 0.60% | 0.58% | 0.50% | 0.49% | 0.53% | 1.60% | 1.54% | 1.81% | +132 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 13.23% | 13.65% | 15.89% | 17.25% | 15.07% | 15.40% | 16.96% | 18.81% | +156 bps | |
| Net Worth / Assets | 13.23% | 13.65% | 15.89% | 17.25% | 15.07% | 15.40% | 16.96% | 18.81% | +156 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 36.49% | 36.02% | 45.91% | 47.29% | 51.73% | 44.37% | 47.51% | 42.96% | -433 bps | |
| Liquid Assets / Assets | 67.57% | 67.22% | 59.62% | 58.16% | 55.25% | 61.18% | 59.25% | 63.78% | +562 bps | |