Rockford, IL · Charter 65946
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.
Rockford, IL · Charter 65946
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 | -1.82% | 2.16% | 1.84% | 3.04% | 1.50% | 0.88% | 1.37% | 0.00% | -304 bps | |
| Return on Equity | n/a | n/a | 3.57% | 4.83% | 2.13% | 1.31% | 2.03% | 0.00% | -483 bps | |
| Net Interest Margin | 5.92% | 7.26% | 6.17% | 6.90% | 5.93% | 4.57% | 4.77% | 2.49% | -441 bps | |
| Efficiency Ratio | 91.69% | 70.19% | 73.06% | 57.25% | 75.30% | 83.24% | 73.64% | 100.00% | +4,275 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -27.35% | -16.08% | -20.02% | -30.38% | -30.56% | -21.69% | -20.47% | 79.46% | +10,984 bps | |
| Loan Growth (YoY) | -31.86% | 9.23% | -14.12% | -32.74% | -57.54% | -42.79% | -26.07% | -22.29% | +1,045 bps | |
| Share Growth (YoY) | -35.74% | -25.37% | -33.50% | -56.67% | -64.59% | -50.83% | -49.50% | 401% | +45,727 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 1.65% | +165 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 | 2.12% | 1.48% | 2.38% | 2.96% | 5.00% | 3.52% | 3.22% | 32.82% | +2,986 bps | |
| Capital | ||||||||||
| Risk-Based Capital | n/a | n/a | 51.75% | 63.05% | 70.36% | 67.12% | 67.51% | 6.78% | -5,627 bps | |
| Net Worth / Assets | n/a | n/a | 51.75% | 63.05% | 70.36% | 67.12% | 67.51% | 6.78% | -5,627 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 105.02% | 129.60% | 112.73% | 146.13% | 125.94% | 150.80% | 165.01% | 22.68% | -12,345 bps | |
| Liquid Assets / Assets | 17.97% | 21.82% | 48.26% | 50.71% | 67.14% | 55.95% | 52.40% | 9.18% | -4,153 bps | |