Orangeville, IL · Cert 17701
FDIC
Q2 2002
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2002, the quarter ended June 30, 2002, 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.
Orangeville, IL · Cert 17701
FDIC
Q2 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 | Q3 2000 | Q4 2000 | Q1 2001 | Q2 2001 | Q3 2001 | Q4 2001 | Q1 2002 | Q2 2002 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.28% | 1.36% | 0.99% | 1.10% | 1.23% | 1.20% | 0.52% | 0.90% | -20 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | n/a | n/a | 4.14% | 7.11% | n/a | |
| Net Interest Margin | n/a | n/a | 3.22% | 3.14% | 3.14% | 3.14% | 2.74% | 2.79% | -35 bps | |
| Efficiency Ratio | n/a | n/a | 63.24% | 56.31% | 51.90% | 53.26% | 81.14% | 63.32% | +701 bps | |
| Non-Interest Burden | n/a | n/a | 1.89% | 1.60% | 1.45% | 1.49% | 2.16% | 1.64% | +4 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 9.18% | 15.54% | 12.80% | 13.20% | 8.11% | 0.95% | 10.17% | 7.99% | -521 bps | |
| Loan Growth (YoY) | 14.74% | 8.99% | 1.91% | 5.31% | 1.39% | 7.63% | 17.89% | 13.89% | +858 bps | |
| Deposit Growth (YoY) | 8.46% | 15.05% | 11.37% | 11.98% | 6.52% | -0.69% | 4.45% | 1.39% | -1,059 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 | 0.00% | 0.00% | -0.01% | 0.01% | -0.02% | -0.01% | -1 bps | |
| Allowance / Loans | n/a | n/a | 1.08% | 1.00% | 0.97% | 0.97% | 0.91% | 0.88% | -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 | n/a | n/a | 19.53% | 20.39% | 20.58% | 21.16% | 19.97% | 19.61% | -77 bps | |
| Equity / Assets | n/a | n/a | 12.48% | 12.42% | 12.95% | 12.99% | 12.23% | 12.71% | +28 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 72.40% | 63.57% | 63.81% | 67.01% | 68.92% | 68.89% | 72.02% | 75.27% | +826 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.19% | 1.23% | 1.23% | 1.22% | 1.15% | 0.13% | -110 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |