Palmyra, IL · Cert 17110
FDIC
Q1 2002
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 | Q2 2000 | Q3 2000 | Q4 2000 | Q1 2001 | Q2 2001 | Q3 2001 | Q4 2001 | Q1 2002 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.16% | 0.14% | 0.24% | 0.84% | 0.79% | 0.78% | 0.59% | 0.89% | +6 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | n/a | n/a | n/a | 11.98% | n/a | n/a |
| Net Interest Margin | n/a | n/a | n/a | 3.49% | 2.80% | 2.90% | 2.96% | 3.10% | -39 bps | |
| Efficiency Ratio | n/a | n/a | n/a | 60.87% | 60.62% | 58.32% | 63.74% | 59.57% | -130 bps | |
| Non-Interest Burden | n/a | n/a | n/a | 2.01% | 1.59% | 1.55% | 1.77% | 1.70% | -32 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 54.67% | 49.77% | 26.75% | 14.46% | 33.05% | 31.23% | 30.41% | 19.25% | +479 bps | |
| Loan Growth (YoY) | 110.85% | 83.69% | 48.78% | 28.33% | 21.85% | 29.08% | 22.36% | 5.87% | -2,246 bps | |
| Deposit Growth (YoY) | 54.81% | 60.13% | 40.72% | 22.96% | 36.12% | 30.32% | 30.04% | 20.98% | -198 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 | n/a | n/a | 0.03% | 0.15% | 0.19% | 0.19% | -0.03% | -5 bps | |
| Allowance / Loans | n/a | n/a | n/a | 1.13% | 1.06% | 1.02% | 1.23% | 1.30% | +17 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 | n/a | n/a | 9.62% | 10.37% | 10.10% | 10.76% | 11.39% | +178 bps | |
| Equity / Assets | n/a | n/a | n/a | 7.06% | 6.61% | 7.36% | 7.29% | 7.64% | +58 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 86.06% | 86.46% | 88.08% | 93.04% | 77.04% | 85.64% | 82.88% | 81.42% | -1,162 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 1.33% | 1.13% | 1.13% | 1.10% | 1.12% | -22 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |