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Bowen State Bank

Bowen, IL · Cert 10443

FDIC

Q4 2004

$17.4MAssets
$10.6MLoans
$15.1MDeposits
$2.3MEquity
Loan mix
72%RE $3.6M28%C&I $1.4M1%Consumer $0.0MQ1 2003Q4 2004
Deposit mix
83%Interest-bearing $12.5M17%Noninterest $2.6MQ1 2003Q4 2004

Executive Summary

  • Earnings: ROA of 0.62%, down 48 bps year over year; NIM at 4.01%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 1.59%.
  • Funding: loans stand at 70.24% of deposits as of Q4 2004.

Return on Assets (YTD, annualized)

0.62%-48 bps YoY

Net Interest Margin (YTD, annualized)

4.01%-36 bps YoY

Efficiency Ratio (YTD, annualized)

75.20%+1,142 bps YoY

Tier 1 Leverage Ratio

n/a
n/a

NIM

6.43%Q4 ’025.72%Q4 ’035.06%Q4 ’04-4%-8%

Non-interest income vs. expense

3.07%Q4 ’023.02%Q4 ’033.26%Q4 ’04-1%+11%

Year to date, annualized, through each quarter.

MetricQ1 2003Q2 2003Q3 2003Q4 2003Q1 2004Q2 2004Q3 2004Q4 2004YoY ΔTrend
Earnings
Return on Assets1.42%1.33%1.36%1.10%0.74%0.90%0.73%0.62%-48 bps
Return on Equity11.31%10.45%10.64%8.66%6.04%7.25%5.76%4.89%-376 bps
Net Interest Margin4.51%4.59%4.56%4.37%3.75%3.94%4.07%4.01%-36 bps
Efficiency Ratio61.43%62.83%62.40%63.78%78.19%74.09%75.13%75.20%+1,142 bps
Non-Interest Burden2.61%2.74%2.70%2.65%2.87%2.83%2.98%2.94%+29 bps
Growth
Asset Growth (YoY)4.06%1.86%0.32%7.89%11.57%2.58%1.43%-3.26%-1,115 bps
Loan Growth (YoY)6.79%1.27%1.85%-3.43%-10.77%-13.72%-16.88%-8.56%-513 bps
Deposit Growth (YoY)5.75%4.03%1.76%8.19%12.68%2.37%1.49%-3.66%-1,185 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.00%0.00%0.00%0.00%0.88%1.60%1.65%1.59%+159 bps
Allowance / Loans0.94%0.98%0.98%1.47%1.52%0.96%0.85%0.74%-73 bps
Allowance Coverage of NPLsn/an/an/an/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ration/an/an/an/an/an/an/an/an/an/a
Total Risk-Based Capital18.73%18.77%16.83%18.76%20.90%19.35%19.60%20.20%+144 bps
Equity / Assets12.76%12.98%12.98%12.38%12.28%12.66%13.24%12.99%+61 bps
Liquidity & Funding
Loans / Deposits78.44%78.91%81.29%74.00%62.11%66.51%66.58%70.24%-376 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
CRE / Total Capitaln/an/an/an/an/an/an/an/an/an/a