Lombard, IL · Charter 66063
Q4 2001
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2001, the quarter ended December 31, 2001, 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.
Lombard, IL · Charter 66063
Q4 2001
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 | Q2 1998 | Q4 1998 | Q2 1999 | Q4 1999 | Q2 2000 | Q4 2000 | Q2 2001 | Q4 2001 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 2.95% | 2.16% | 1.77% | 0.12% | -0.01% | 0.12% | 0.40% | 0.13% | +1 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | n/a | 1.29% | 4.15% | 1.60% | n/a | |
| Net Interest Margin | n/a | n/a | n/a | 3.45% | 5.00% | 4.73% | 5.02% | 4.24% | +79 bps | |
| Efficiency Ratio | n/a | n/a | n/a | 89.73% | 93.16% | 90.47% | 85.84% | 84.96% | -477 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 9.03% | -1.82% | 16.66% | 7.04% | 7.97% | 7.56% | -2.13% | 13.76% | +672 bps | |
| Loan Growth (YoY) | 12.08% | 14.33% | 34.03% | 51.79% | 67.65% | 82.48% | 59.38% | 44.36% | -742 bps | |
| Share Growth (YoY) | 6.99% | -3.55% | 17.43% | 8.18% | 9.99% | 8.55% | -2.76% | 13.91% | +574 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.28% | 2.21% | 1.45% | 0.68% | 1.03% | 0.54% | 1.27% | 2.01% | +133 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 | 0.48% | 1.15% | 0.96% | 0.89% | 0.83% | 1.00% | 0.97% | 1.16% | +27 bps | |
| Capital | ||||||||||
| Risk-Based Capital | n/a | n/a | n/a | n/a | n/a | 8.97% | 9.68% | 7.93% | n/a | |
| Net Worth / Assets | n/a | n/a | n/a | n/a | n/a | 8.97% | 9.68% | 7.93% | n/a | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 37.97% | 36.16% | 42.11% | 49.01% | 57.87% | 60.78% | 69.03% | 62.11% | +1,310 bps | |
| Liquid Assets / Assets | 31.18% | 18.94% | 16.44% | 15.47% | 19.99% | 24.75% | 19.63% | 24.32% | +885 bps | |