Addison, IL · Charter 81718
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.
Addison, IL · Charter 81718
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 | 3.49% | 3.03% | 3.84% | -0.14% | 0.44% | 0.19% | -1.40% | -1.24% | -110 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | n/a | 0.75% | -5.44% | -4.69% | n/a | |
| Net Interest Margin | n/a | n/a | n/a | 3.58% | 4.24% | 4.42% | 4.31% | 4.44% | +86 bps | |
| Efficiency Ratio | n/a | n/a | n/a | 66.10% | 79.54% | 87.00% | 115.52% | 106.82% | +4,072 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -15.20% | -9.05% | -9.24% | -16.85% | -22.45% | -26.68% | -26.59% | -21.41% | -456 bps | |
| Loan Growth (YoY) | -37.20% | -31.13% | -16.08% | -12.48% | -0.61% | 14.22% | 8.30% | 4.40% | +1,688 bps | |
| Share Growth (YoY) | -19.16% | -11.27% | -10.83% | -19.69% | -26.95% | -32.62% | -32.31% | -26.08% | -639 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 9.46% | 5.92% | 6.69% | 2.13% | 0.48% | 2.95% | 4.52% | 8.73% | +660 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 | 1.66% | 3.86% | 4.17% | 1.63% | 1.84% | 2.07% | 2.15% | 2.37% | +74 bps | |
| Capital | ||||||||||
| Risk-Based Capital | n/a | n/a | n/a | n/a | n/a | 25.87% | 25.74% | 26.49% | n/a | |
| Net Worth / Assets | n/a | n/a | n/a | n/a | n/a | 25.87% | 25.74% | 26.49% | n/a | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 44.43% | 44.33% | 45.95% | 50.50% | 60.46% | 75.16% | 73.51% | 71.32% | +2,082 bps | |
| Liquid Assets / Assets | 31.42% | 39.57% | 24.97% | 35.90% | 28.08% | 17.76% | 17.80% | 35.28% | -63 bps | |