Marengo, IL · Cert 1813
FDIC
Q1 2005
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2005, the quarter ended March 31, 2005, 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.
Marengo, IL · Cert 1813
FDIC
Q1 2005
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 2003 | Q3 2003 | Q4 2003 | Q1 2004 | Q2 2004 | Q3 2004 | Q4 2004 | Q1 2005 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.60% | 0.69% | 0.63% | 0.57% | 0.67% | 0.78% | 0.80% | 0.73% | +16 bps | |
| Return on Equity | 6.71% | 7.65% | 7.09% | 6.45% | 7.43% | 8.64% | 8.95% | 8.47% | +202 bps | |
| Net Interest Margin | 3.46% | 3.46% | 3.49% | 3.49% | 3.53% | 3.57% | 3.42% | 3.24% | -25 bps | |
| Efficiency Ratio | 75.98% | 73.74% | 75.28% | 75.40% | 74.09% | 70.68% | 69.89% | 71.07% | -433 bps | |
| Non-Interest Burden | 2.40% | 2.27% | 2.37% | 2.44% | 2.40% | 2.27% | 2.15% | 2.11% | -34 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 5.80% | 3.35% | 3.23% | 2.87% | -2.36% | -0.80% | 4.72% | 6.27% | +339 bps | |
| Loan Growth (YoY) | 20.47% | 10.91% | 7.96% | 6.94% | 3.68% | 6.06% | 3.30% | 1.06% | -588 bps | |
| Deposit Growth (YoY) | 2.54% | 3.60% | -1.12% | -3.15% | -2.64% | -7.75% | -2.70% | -3.92% | -77 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 | 0.04% | 0.11% | 0.09% | -0.13% | -0.04% | -0.02% | 0.03% | -0.08% | +4 bps | |
| Allowance / Loans | 1.13% | 1.11% | 1.12% | 1.18% | 1.19% | 1.15% | 1.11% | 1.14% | -4 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 | 12.18% | 12.56% | 11.97% | 12.13% | 12.54% | 12.75% | 12.35% | 12.46% | +33 bps | |
| Equity / Assets | 8.89% | 8.98% | 8.78% | 8.97% | 9.22% | 9.29% | 8.60% | 8.70% | -27 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 95.49% | 92.63% | 101.73% | 107.16% | 101.70% | 106.49% | 108.00% | 112.71% | +555 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 |