Capron, IL · Cert 16551
FDIC
Q3 2003
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q4 2001 | Q1 2002 | Q2 2002 | Q3 2002 | Q4 2002 | Q1 2003 | Q2 2003 | Q3 2003 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.67% | 0.60% | 0.22% | 0.67% | 1.66% | 1.32% | 0.65% | -2.05% | -272 bps | |
| Return on Equity | 9.31% | 8.47% | 3.04% | 9.16% | 21.57% | 16.23% | 8.10% | -26.26% | -3,542 bps | |
| Net Interest Margin | 4.83% | 4.46% | 5.02% | 4.92% | 5.25% | 4.93% | 5.28% | 4.67% | -25 bps | |
| Efficiency Ratio | 77.18% | 77.79% | 79.50% | 69.13% | 67.93% | 69.99% | 85.06% | 127.21% | +5,808 bps | |
| Non-Interest Burden | 3.16% | 3.03% | 3.80% | 2.74% | 2.49% | 2.68% | 4.01% | 6.94% | +419 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 | 0.28% | 0.00% | 2.48% | 1.62% | 0.24% | 0.14% | 0.24% | 0.09% | -153 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 |