Frankfort, IL · Cert 10814
FDIC
Q1 2005
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 | Q2 2003 | Q3 2003 | Q4 2003 | Q1 2004 | Q2 2004 | Q3 2004 | Q4 2004 | Q1 2005 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.55% | 0.53% | 0.54% | 1.05% | 1.02% | 1.02% | 1.06% | 0.84% | -21 bps | |
| Return on Equity | 6.63% | 6.41% | 6.67% | 13.85% | 13.57% | 13.49% | 13.88% | 10.54% | -331 bps | |
| Net Interest Margin | 3.61% | 3.60% | 3.40% | 3.71% | 3.55% | 3.48% | 3.45% | 3.44% | -28 bps | |
| Efficiency Ratio | 58.58% | 60.17% | 63.51% | 55.98% | 56.10% | 56.24% | 54.83% | 62.27% | +628 bps | |
| Non-Interest Burden | 1.72% | 1.78% | 1.85% | 1.79% | 1.70% | 1.68% | 1.61% | 1.93% | +15 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 10.48% | 8.79% | 13.86% | 15.81% | 17.44% | 18.40% | 10.21% | 6.12% | -969 bps | |
| Loan Growth (YoY) | 30.04% | 25.51% | 20.25% | 24.17% | 25.23% | 23.43% | 16.69% | 9.22% | -1,495 bps | |
| Deposit Growth (YoY) | 7.67% | 5.06% | 14.24% | 14.63% | 13.91% | 14.78% | 4.12% | 3.08% | -1,155 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 | 1.34% | 0.88% | 0.65% | 0.06% | 0.04% | 0.06% | 0.06% | 0.29% | +24 bps | |
| Allowance / Loans | 0.96% | 1.21% | 1.16% | 1.15% | 1.15% | 1.15% | 1.17% | 1.15% | 0 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 | 10.98% | 11.04% | 11.05% | 11.43% | 11.26% | 11.36% | 11.55% | 11.87% | +44 bps | |
| Equity / Assets | 8.08% | 8.08% | 7.54% | 7.61% | 7.48% | 7.65% | 7.82% | 8.12% | +51 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 91.35% | 95.24% | 91.27% | 95.85% | 100.43% | 102.42% | 102.30% | 101.56% | +570 bps | |
| Liquid Assets / Assets | 0.03% | 0.04% | 0.05% | 0.05% | 0.03% | 0.06% | 0.06% | 0.11% | +5 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |