Vandalia, IL · Charter 66246
Q2 2004
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q3 2002 | Q4 2002 | Q1 2003 | Q2 2003 | Q3 2003 | Q4 2003 | Q1 2004 | Q2 2004 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 3.00% | 0.81% | 3.99% | 3.78% | 4.48% | 1.70% | 3.18% | 3.38% | -40 bps | |
| Return on Equity | 26.58% | 8.77% | 34.40% | 30.69% | 38.84% | 13.55% | 25.32% | 23.94% | -675 bps | |
| Net Interest Margin | 6.41% | 3.82% | 8.46% | 7.13% | 7.82% | 7.66% | 7.88% | 7.01% | -12 bps | |
| Efficiency Ratio | 53.48% | 78.30% | 58.97% | 47.47% | 43.47% | 42.45% | 48.00% | 45.49% | -197 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 30.87% | 26.50% | 20.81% | 6.76% | 8.41% | -0.13% | 8.49% | -8.59% | -1,536 bps | |
| Loan Growth (YoY) | 29.79% | 19.54% | 20.61% | 19.32% | 10.10% | -4.54% | -12.54% | -29.76% | -4,908 bps | |
| Share Growth (YoY) | 29.73% | 26.59% | 19.55% | 3.73% | 8.29% | -2.02% | 7.41% | -11.17% | -1,489 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.70% | 1.06% | 2.42% | 5.43% | 0.15% | 0.13% | 1.18% | 0.00% | -543 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 | 0.77% | 0.74% | 1.18% | 1.00% | 0.00% | 0.00% | 0.00% | 1.47% | +47 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 11.28% | 9.23% | 11.59% | 12.31% | 11.54% | 12.55% | 12.58% | 14.12% | +181 bps | |
| Net Worth / Assets | 11.28% | 9.23% | 11.59% | 12.31% | 11.54% | 12.55% | 12.58% | 14.12% | +181 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 94.16% | 94.44% | 97.99% | 95.78% | 95.73% | 92.00% | 79.79% | 75.73% | -2,005 bps | |
| Liquid Assets / Assets | 15.73% | 14.91% | 12.72% | 15.07% | 13.48% | 17.53% | 28.43% | 34.38% | +1,932 bps | |