Mansfield, IL · Cert 10834
FDIC
Q2 2006
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2004 | Q4 2004 | Q1 2005 | Q2 2005 | Q3 2005 | Q4 2005 | Q1 2006 | Q2 2006 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.17% | 0.99% | 1.14% | 1.01% | 1.02% | 1.28% | 1.04% | -0.11% | -112 bps | |
| Return on Equity | 10.00% | 8.48% | 9.76% | 8.57% | 8.42% | 10.50% | 8.44% | -0.70% | -927 bps | |
| Net Interest Margin | 3.28% | 3.23% | 3.18% | 3.26% | 3.21% | 3.24% | 3.06% | -0.63% | -389 bps | |
| Efficiency Ratio | 55.40% | 53.76% | 55.23% | 58.41% | 59.52% | 54.28% | 57.42% | 46.63% | -1,178 bps | |
| Non-Interest Burden | 1.57% | 1.51% | 1.52% | 1.68% | 1.68% | 1.52% | 1.53% | -0.55% | -223 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 2.71% | 3.06% | 4.43% | 4.54% | -0.27% | 3.32% | -1.75% | 12.78% | +824 bps | |
| Loan Growth (YoY) | 9.52% | 11.98% | 9.75% | 15.68% | 5.10% | 9.10% | 4.25% | -6.82% | -2,250 bps | |
| Deposit Growth (YoY) | 2.21% | 2.51% | 4.25% | 4.14% | -1.06% | 2.97% | -2.82% | 5.23% | +109 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 | 0.21% | 0.28% | -0.01% | -0.01% | 0.70% | 0.54% | -0.08% | 0.10% | +11 bps | |
| Allowance / Loans | 2.71% | 2.66% | 2.70% | 2.62% | 2.53% | 2.28% | 2.43% | 2.61% | -1 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 | 23.70% | 23.75% | 24.11% | 23.81% | 24.68% | 23.98% | 25.31% | 19.69% | -411 bps | |
| Equity / Assets | 11.67% | 11.71% | 11.65% | 11.99% | 12.34% | 12.02% | 12.59% | 17.41% | +542 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 50.69% | 51.10% | 50.67% | 53.90% | 53.85% | 54.14% | 54.35% | 47.73% | -618 bps | |
| Liquid Assets / Assets | 34.34% | 34.58% | 34.34% | 34.09% | 34.04% | 31.13% | 31.37% | 0.19% | -3,390 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |