Hanover, IL · Cert 17124
FDIC
Q4 2003
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q1 2002 | Q2 2002 | Q3 2002 | Q4 2002 | Q1 2003 | Q2 2003 | Q3 2003 | Q4 2003 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.28% | 0.26% | -0.24% | 0.61% | 0.30% | 0.67% | 0.94% | 1.26% | +65 bps | |
| Return on Equity | 2.41% | 2.17% | -2.04% | 5.01% | 2.44% | 5.45% | 7.54% | 9.94% | +493 bps | |
| Net Interest Margin | 3.39% | 3.42% | 3.59% | 3.71% | 3.78% | 3.69% | 3.74% | 3.73% | +2 bps | |
| Efficiency Ratio | 90.75% | 90.61% | 107.44% | 83.23% | 91.51% | 81.64% | 63.11% | 65.90% | -1,732 bps | |
| Non-Interest Burden | 3.07% | 3.04% | 4.02% | 2.78% | 3.50% | 2.91% | 2.16% | 2.29% | -49 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -8.81% | -0.49% | -5.81% | -10.81% | 4.55% | -0.33% | -0.96% | 3.41% | +1,422 bps | |
| Loan Growth (YoY) | -10.62% | -6.65% | -2.29% | -2.54% | 12.60% | 10.02% | 18.35% | 2.76% | +530 bps | |
| Deposit Growth (YoY) | -6.30% | 1.43% | -11.83% | -20.36% | -11.41% | -18.00% | -14.31% | -3.69% | +1,667 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 | 0.02% | 0.00% | 0.00% | 0.00% | 0.08% | 0.02% | 0.10% | 0.00% | 0 bps | |
| Allowance / Loans | 1.47% | 1.50% | 1.57% | 1.67% | 1.61% | 1.56% | 1.39% | 1.60% | -7 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 | 19.59% | 18.31% | 17.88% | 18.17% | 17.91% | 17.65% | 16.67% | 18.89% | +72 bps | |
| Equity / Assets | 12.11% | 12.12% | 11.78% | 12.60% | 12.03% | 12.55% | 12.40% | 12.91% | +32 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 71.03% | 72.86% | 76.84% | 87.14% | 90.28% | 97.76% | 106.13% | 92.98% | +584 bps | |
| Liquid Assets / Assets | 0.09% | 0.06% | 0.07% | 0.11% | 0.22% | 0.16% | 0.07% | 0.09% | -2 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |