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Riverton Community Bank

Riverton, IL · Cert 19438

FDIC

Q3 2004

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, not published for this institution and quartern/a

Basis

Quarter: Q3 2004, the quarter ended September 30, 2004, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

No peer standings are published for this institution and quarter.

Peer groups below the disclosure floor are suppressed.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Riverton Community Bank

Riverton, IL · Cert 19438

FDIC

Q3 2004

$33.9MAssets
$16.2MLoans
$30.6MDeposits
$3.2MEquity
Deposit mix
87%Interest-bearing $26.6M13%Noninterest $4.0MQ3 2003Q3 2004

NIM

5.24%Q3 ’024.33%Q3 ’034.08%Q3 ’04-15%+6%

Non-interest income vs. expense

2.10%Q3 ’021.94%Q3 ’032.19%Q3 ’04-8%+15%

Executive Summary

  • Earnings: ROA of 0.56%, up 2 bps year over year; NIM at 2.63%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.00%.
  • Funding: loans stand at 52.92% of deposits as of Q3 2004.

Financial Results

Return on Assets (YTD, annualized)

0.56%+2 bps YoY

Net Interest Margin (YTD, annualized)

2.63%+15 bps YoY

Efficiency Ratio (YTD, annualized)

76.04%+495 bps YoY

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

MetricQ3 2003Q4 2003Q1 2004Q2 2004Q3 2004YoY ΔTrend
Earnings
Return on Assets0.54%0.69%0.75%0.55%0.56%+2 bps
Return on Equity5.72%7.27%7.94%6.00%6.11%+39 bps
Net Interest Margin2.47%2.59%2.74%2.61%2.63%+15 bps
Efficiency Ratio71.09%72.47%71.60%77.02%76.04%+495 bps
Non-Interest Burden1.69%1.81%1.89%1.95%1.94%+25 bps
Growth
Asset Growth (YoY)6.32%6.91%2.95%0.83%-2.68%-900 bps
Loan Growth (YoY)-13.99%-16.21%-15.85%-13.63%-7.71%+628 bps
Deposit Growth (YoY)7.49%7.96%3.07%1.70%-3.16%-1,065 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.00%0.05%0.00%0.00%0.00%0 bps
Allowance / Loans0.54%0.51%0.51%0.52%0.54%0 bps
Allowance Coverage of NPLsn/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ration/an/an/an/an/an/an/a
Total Risk-Based Capital20.97%21.35%22.01%21.67%23.43%+246 bps
Equity / Assets8.92%9.18%9.77%8.63%9.44%+52 bps
Liquidity & Funding
Loans / Deposits55.53%57.49%57.78%53.79%52.92%-261 bps
Liquid Assets / Assets11.19%11.77%11.58%10.79%10.92%-27 bps
CRE / Total Capitaln/an/an/an/an/an/an/a