Neponset, IL · Cert 13661
FDIC
Q2 2004
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2004, the quarter ended June 30, 2004, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
No peer standings are published for this institution and quarter.
Peer groups below the disclosure floor are suppressed.
Neponset, IL · Cert 13661
FDIC
Q2 2004
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 | Q3 2002 | Q4 2002 | Q1 2003 | Q2 2003 | Q3 2003 | Q4 2003 | Q1 2004 | Q2 2004 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.73% | 0.70% | 0.40% | 0.31% | 0.25% | 0.19% | -0.36% | -0.06% | -37 bps | |
| Return on Equity | 6.45% | 6.22% | 3.69% | 2.77% | 2.22% | 1.76% | -3.35% | -0.56% | -333 bps | |
| Net Interest Margin | 3.76% | 3.47% | 3.22% | 3.22% | 3.12% | 2.85% | 2.79% | 2.76% | -47 bps | |
| Efficiency Ratio | 72.60% | 73.70% | 81.82% | 85.88% | 87.95% | 90.43% | 110.53% | 100.66% | +1,478 bps | |
| Non-Interest Burden | 2.61% | 2.45% | 2.58% | 2.72% | 2.70% | 2.55% | 3.12% | 2.78% | +6 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -0.42% | 1.09% | 4.26% | 3.15% | 3.05% | 1.20% | 1.86% | 4.88% | +173 bps | |
| Loan Growth (YoY) | -11.60% | -7.82% | -7.65% | -4.58% | -2.83% | -7.18% | -5.37% | -2.34% | +224 bps | |
| Deposit Growth (YoY) | -0.58% | 1.17% | 4.73% | 3.77% | 3.67% | 1.41% | 2.31% | 5.67% | +190 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 | -0.08% | -0.04% | 0.40% | 0.20% | 0.13% | 0.32% | 0.08% | 0.00% | -20 bps | |
| Allowance / Loans | 1.17% | 1.22% | 1.14% | 1.17% | 1.19% | 1.06% | 1.04% | 1.05% | -12 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 | 21.32% | 21.13% | 21.21% | 21.60% | 20.58% | 20.64% | 20.61% | 20.70% | -90 bps | |
| Equity / Assets | 11.58% | 10.65% | 11.09% | 11.48% | 11.24% | 10.48% | 10.75% | 10.88% | -59 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 62.42% | 55.09% | 57.68% | 59.69% | 58.50% | 50.42% | 53.35% | 55.17% | -452 bps | |
| Liquid Assets / Assets | 32.07% | 32.93% | 34.23% | 35.41% | 34.62% | 40.24% | 34.99% | 29.08% | -633 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |