Malden, IL · Cert 10807
FDIC
Q4 2003
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2003, the quarter ended December 31, 2003, 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.
Malden, IL · Cert 10807
FDIC
Q4 2003
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q1 2002 | Q2 2002 | Q3 2002 | Q4 2002 | Q1 2003 | Q2 2003 | Q3 2003 | Q4 2003 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.49% | 1.64% | 1.62% | 1.50% | 1.69% | 1.40% | 1.38% | 1.41% | -8 bps | |
| Return on Equity | 11.73% | 12.69% | 12.37% | 11.37% | 12.74% | 10.62% | 10.40% | 10.57% | -80 bps | |
| Net Interest Margin | 3.56% | 3.68% | 3.66% | 3.57% | 3.52% | 3.40% | 3.44% | 3.51% | -5 bps | |
| Efficiency Ratio | 64.29% | 61.67% | 61.56% | 63.83% | 57.35% | 63.22% | 63.96% | 63.79% | -4 bps | |
| Non-Interest Burden | 2.11% | 2.06% | 2.05% | 2.09% | 1.82% | 1.98% | 2.02% | 2.06% | -3 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 7.34% | 0.52% | 3.54% | 2.85% | -2.20% | 2.46% | -2.31% | -4.43% | -728 bps | |
| Loan Growth (YoY) | 3.70% | -2.80% | 1.13% | -5.17% | -5.82% | 0.13% | -0.52% | 12.13% | +1,730 bps | |
| Deposit Growth (YoY) | 8.71% | 0.14% | 4.06% | 2.50% | -3.41% | 2.65% | -2.40% | -5.05% | -755 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.04% | 0.03% | +3 bps | |
| Allowance / Loans | 2.42% | 2.57% | 2.45% | 2.47% | 2.57% | 2.56% | 2.47% | 2.21% | -27 bps | |
| Allowance Coverage of NPLs | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Total Risk-Based Capital | 22.99% | 23.81% | 23.80% | 24.22% | 24.18% | 22.37% | 22.25% | 21.55% | -267 bps | |
| Equity / Assets | 12.28% | 13.35% | 13.56% | 13.38% | 13.20% | 13.09% | 13.40% | 13.64% | +27 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 54.15% | 54.00% | 56.07% | 53.60% | 52.80% | 52.68% | 57.15% | 63.30% | +969 bps | |
| Liquid Assets / Assets | 1.97% | 2.77% | 2.75% | 2.66% | 3.25% | 2.65% | 3.47% | 4.15% | +149 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |