Marshall, IL · Cert 1799
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 | 1.40% | 1.54% | 1.45% | 1.65% | 1.20% | 1.37% | 1.65% | 1.58% | -7 bps | |
| Return on Equity | 14.06% | 15.12% | 13.71% | 15.38% | 11.66% | 13.41% | 15.36% | 13.84% | -154 bps | |
| Net Interest Margin | 3.78% | 3.76% | 3.69% | 3.72% | 3.56% | 3.56% | 3.75% | 4.01% | +29 bps | |
| Efficiency Ratio | 57.38% | 51.74% | 52.93% | 48.49% | 59.28% | 52.08% | 47.21% | 50.17% | +168 bps | |
| Non-Interest Burden | 1.88% | 1.57% | 1.62% | 1.44% | 1.81% | 1.47% | 1.39% | 1.67% | +23 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 0.50% | -2.30% | -0.13% | 5.59% | 13.96% | 12.95% | 12.54% | -1.80% | -739 bps | |
| Loan Growth (YoY) | 8.36% | 2.24% | -0.09% | -2.55% | -6.58% | -3.19% | -4.56% | -1.50% | +105 bps | |
| Deposit Growth (YoY) | -1.94% | -3.61% | -1.65% | 6.06% | 15.50% | 12.93% | 12.28% | -3.15% | -922 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 | 0.12% | 0.21% | -0.12% | -0.02% | 0.05% | -0.01% | 1.15% | -0.04% | -1 bps | |
| Allowance / Loans | 1.53% | 1.66% | 1.77% | 1.86% | 1.98% | 2.13% | 1.95% | 1.99% | +13 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 | 14.43% | 15.42% | 15.49% | 15.54% | 15.38% | 15.95% | 16.03% | 14.75% | -78 bps | |
| Equity / Assets | 9.93% | 10.38% | 10.74% | 10.70% | 9.94% | 10.47% | 10.96% | 11.84% | +114 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 79.89% | 75.54% | 76.44% | 71.56% | 64.62% | 64.75% | 64.98% | 72.78% | +122 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |