Capron, IL · Cert 16551
FDIC
Q3 2003
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2003, the quarter ended September 30, 2003, 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.
Capron, IL · Cert 16551
FDIC
Q3 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 | Q4 2001 | Q1 2002 | Q2 2002 | Q3 2002 | Q4 2002 | Q1 2003 | Q2 2003 | Q3 2003 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.94% | 0.60% | 0.41% | 0.50% | 0.80% | 1.32% | 0.98% | -0.03% | -53 bps | |
| Return on Equity | n/a | 8.47% | 5.71% | 6.88% | 10.76% | 16.23% | 12.11% | -0.37% | -726 bps | |
| Net Interest Margin | 4.32% | 4.46% | 4.72% | 4.62% | 4.69% | 4.93% | 5.03% | 4.93% | +30 bps | |
| Efficiency Ratio | 73.66% | 77.79% | 78.67% | 75.13% | 72.83% | 69.99% | 78.15% | 93.55% | +1,842 bps | |
| Non-Interest Burden | 2.73% | 3.03% | 3.40% | 3.07% | 2.86% | 2.68% | 3.30% | 4.52% | +146 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 13.77% | 3.91% | 3.75% | 9.89% | -0.40% | 3.62% | 5.95% | -7.63% | -1,751 bps | |
| Loan Growth (YoY) | 14.59% | -0.12% | 2.90% | 1.96% | -2.13% | 4.82% | 6.80% | -8.69% | -1,065 bps | |
| Deposit Growth (YoY) | 7.97% | -0.95% | 1.58% | 9.38% | -2.36% | 1.19% | 4.26% | -8.32% | -1,771 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 | 0.15% | 0.00% | 1.24% | 1.37% | 1.07% | 0.14% | 0.19% | 0.18% | -120 bps | |
| Allowance / Loans | 1.27% | 1.60% | 1.33% | 1.40% | 1.44% | 1.53% | 1.52% | 1.92% | +51 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 | 11.01% | 11.27% | 11.19% | 11.38% | 11.93% | 12.28% | 12.47% | 12.02% | +64 bps | |
| Equity / Assets | 7.11% | 7.14% | 7.36% | 7.21% | 8.20% | 8.07% | 8.02% | 7.61% | +41 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 82.53% | 77.43% | 78.24% | 72.88% | 82.72% | 80.21% | 80.15% | 72.59% | -29 bps | |
| Liquid Assets / Assets | 2.75% | 2.73% | 2.71% | 2.66% | 3.80% | 4.87% | 5.18% | 4.99% | +233 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |