South Beloit, IL · Charter 66093
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.
South Beloit, IL · Charter 66093
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 | 0.25% | 1.70% | 1.73% | 1.76% | 0.00% | -6.96% | -4.43% | -2.79% | -455 bps | |
| Return on Equity | n/a | n/a | 18.43% | 17.12% | 0.00% | -95.60% | -59.15% | -31.02% | -4,814 bps | |
| Net Interest Margin | 7.04% | 7.56% | 7.78% | 8.29% | 8.21% | 7.64% | 7.13% | 7.41% | -88 bps | |
| Efficiency Ratio | 78.09% | 77.50% | 77.71% | 78.79% | 88.54% | 94.54% | 93.90% | 87.60% | +882 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -3.21% | -14.52% | -16.69% | -17.58% | -18.59% | -16.82% | -13.03% | -14.53% | +305 bps | |
| Loan Growth (YoY) | -41.07% | -31.49% | 12.49% | 31.19% | 19.99% | 13.79% | -20.04% | -17.77% | -4,895 bps | |
| Share Growth (YoY) | -3.97% | -16.33% | -19.65% | -20.62% | -21.55% | -16.61% | -11.83% | -14.38% | +625 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 8.65% | 7.71% | 2.97% | 8.81% | 20.04% | 14.86% | 26.08% | 28.02% | +1,921 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 | 4.86% | 5.33% | 3.93% | 4.01% | 5.35% | 9.47% | 0.00% | 9.61% | +560 bps | |
| Capital | ||||||||||
| Risk-Based Capital | n/a | n/a | 9.41% | 10.27% | 9.93% | 7.28% | 7.49% | 9.00% | -128 bps | |
| Net Worth / Assets | n/a | n/a | 9.41% | 10.27% | 9.93% | 7.28% | 7.49% | 9.00% | -128 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 61.54% | 65.14% | 93.67% | 93.83% | 94.12% | 88.89% | 84.95% | 90.12% | -371 bps | |
| Liquid Assets / Assets | 0.09% | 40.89% | 15.92% | 17.11% | 17.54% | 24.24% | 19.51% | 13.97% | -315 bps | |