Allerton, IL · Cert 12094
FDIC
Q3 2004
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q4 2002 | Q1 2003 | Q2 2003 | Q3 2003 | Q4 2003 | Q1 2004 | Q2 2004 | Q3 2004 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.38% | 1.10% | 0.94% | 1.05% | 0.81% | 0.55% | 0.71% | 0.97% | -8 bps | |
| Return on Equity | 13.89% | 11.99% | 10.84% | 11.27% | 8.74% | 6.38% | 9.24% | 12.86% | +159 bps | |
| Net Interest Margin | 3.67% | 3.01% | 2.90% | 3.03% | 3.01% | 2.55% | 2.71% | 2.94% | -9 bps | |
| Efficiency Ratio | 64.88% | 67.11% | 70.13% | 68.00% | 74.83% | 81.16% | 74.83% | 68.52% | +52 bps | |
| Non-Interest Burden | 2.27% | 1.98% | 1.97% | 1.99% | 2.20% | 2.03% | 1.98% | 1.93% | -6 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 3.69% | 4.05% | 7.68% | -2.95% | 10.74% | -0.29% | 14.52% | 15.77% | +1,873 bps | |
| Loan Growth (YoY) | 7.19% | 10.57% | 2.64% | -2.26% | -8.10% | -6.97% | 9.95% | 2.14% | +440 bps | |
| Deposit Growth (YoY) | 3.21% | 4.03% | 8.40% | -2.90% | 13.15% | -0.16% | 16.87% | 18.07% | +2,097 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% | 0.00% | 0.00% | 0 bps | |
| Allowance / Loans | 0.62% | 0.65% | 0.66% | 0.61% | 0.68% | 0.69% | 0.60% | 0.60% | -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 | 14.06% | 14.24% | 14.38% | 14.72% | 14.54% | 15.01% | 13.05% | 13.87% | -85 bps | |
| Equity / Assets | 9.76% | 8.72% | 8.66% | 10.15% | 8.55% | 8.63% | 6.81% | 8.43% | -172 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 59.70% | 49.37% | 47.01% | 60.88% | 48.48% | 46.00% | 44.23% | 52.67% | -821 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |