Roberts, IL · Cert 12398
FDIC
Q3 2002
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q4 2000 | Q1 2001 | Q2 2001 | Q3 2001 | Q4 2001 | Q1 2002 | Q2 2002 | Q3 2002 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.54% | 1.45% | 0.95% | 1.17% | 1.10% | 1.30% | 1.35% | 1.41% | +25 bps | |
| Return on Equity | n/a | n/a | 9.51% | 11.66% | 11.20% | 13.48% | 13.46% | 13.45% | +179 bps | |
| Net Interest Margin | n/a | 3.91% | 3.57% | 3.51% | 3.39% | 3.62% | 3.75% | 3.88% | +37 bps | |
| Efficiency Ratio | n/a | 62.86% | 71.20% | 66.54% | 67.84% | 62.09% | 60.74% | 61.15% | -539 bps | |
| Non-Interest Burden | n/a | 2.37% | 2.49% | 2.21% | 2.25% | 2.15% | 2.20% | 2.29% | +7 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 1.55% | 2.28% | 6.15% | 5.88% | 7.81% | 5.60% | 0.78% | -2.34% | -822 bps | |
| Loan Growth (YoY) | 10.17% | 11.67% | 5.86% | 8.20% | 6.02% | 6.85% | 9.26% | 8.12% | -8 bps | |
| Deposit Growth (YoY) | 0.65% | 1.27% | 5.70% | 5.60% | 8.35% | 6.22% | 0.48% | -2.81% | -841 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 | n/a | 0.00% | 0.25% | 0.23% | 0.21% | 0.25% | -0.02% | -0.02% | -26 bps | |
| Allowance / Loans | n/a | 1.05% | 1.04% | 0.97% | 0.97% | 0.93% | 0.98% | 0.99% | +2 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 | n/a | 16.69% | 16.81% | 15.97% | 16.08% | 15.57% | 16.18% | 15.46% | -50 bps | |
| Equity / Assets | n/a | 10.00% | 10.00% | 10.05% | 9.63% | 9.66% | 10.48% | 10.55% | +50 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 66.32% | 68.33% | 66.77% | 69.01% | 64.90% | 68.74% | 72.60% | 76.77% | +776 bps | |
| Liquid Assets / Assets | 0.00% | 0.37% | 0.37% | 0.90% | 0.52% | 0.53% | 0.55% | 0.56% | -35 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |