Macomb, IL · Cert 12116
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 | 0.96% | 0.95% | 0.95% | 0.98% | 0.95% | 0.29% | -1.55% | -1.63% | -261 bps | |
| Return on Equity | 8.72% | 8.59% | 8.74% | 9.06% | 8.74% | 2.61% | -14.66% | -15.69% | -2,475 bps | |
| Net Interest Margin | 3.55% | 3.43% | 3.41% | 3.26% | 3.26% | 3.19% | 3.04% | 2.96% | -30 bps | |
| Efficiency Ratio | 57.09% | 57.31% | 56.74% | 54.17% | 50.27% | 53.67% | 56.50% | 59.76% | +559 bps | |
| Non-Interest Burden | 1.86% | 1.81% | 1.79% | 1.65% | 1.38% | 1.47% | 1.51% | 1.59% | -6 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -4.29% | 4.61% | 5.22% | 13.77% | 3.76% | 2.29% | -6.32% | -9.35% | -2,312 bps | |
| Loan Growth (YoY) | -0.43% | 1.20% | -0.13% | -1.36% | -5.21% | -8.98% | -14.75% | -27.58% | -2,621 bps | |
| Deposit Growth (YoY) | 4.72% | 15.62% | 15.18% | 20.87% | 3.69% | -5.78% | -7.25% | -10.72% | -3,159 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 | 0.06% | 0.23% | 0.32% | 0.39% | 0.44% | 0.75% | 4.10% | 4.77% | +438 bps | |
| Allowance / Loans | 1.24% | 1.22% | 1.20% | 1.19% | 1.34% | 2.12% | 4.06% | 5.92% | +473 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 | 13.23% | 13.44% | 12.87% | 12.84% | 13.58% | 13.65% | 12.44% | 13.10% | +27 bps | |
| Equity / Assets | 10.86% | 11.15% | 10.34% | 10.52% | 11.22% | 11.17% | 9.49% | 9.43% | -109 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 81.53% | 82.99% | 73.84% | 72.10% | 74.53% | 80.17% | 67.86% | 58.49% | -1,361 bps | |
| Liquid Assets / Assets | 0.02% | 0.01% | 0.00% | 0.01% | 0.01% | 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 |