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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

5.21%Q3 ’024.24%Q3 ’034.03%Q3 ’04-22%+11%

Non-interest income vs. expense

2.01%Q3 ’021.95%Q3 ’032.12%Q3 ’04-2%+12%

Executive Summary

  • Earnings: ROA of 0.59%, up 18 bps year over year; NIM at 2.60%.
  • 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 (quarter, annualized)

0.59%+18 bps YoY

Net Interest Margin (quarter, annualized)

2.60%+26 bps YoY

Efficiency Ratio (quarter, annualized)

74.06%-6 bps YoY

Tier 1 Leverage Ratio

n/a

Discrete quarter, annualized.

MetricQ3 2003Q4 2003Q1 2004Q2 2004Q3 2004YoY ΔTrend
Earnings
Return on Assets0.41%1.08%0.75%0.36%0.59%+18 bps
Return on Equity4.45%11.99%7.94%3.89%6.50%+204 bps
Net Interest Margin2.33%2.72%2.74%2.57%2.60%+26 bps
Efficiency Ratio74.12%76.40%71.60%82.50%74.06%-6 bps
Non-Interest Burden1.65%2.02%1.89%2.08%1.85%+20 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%0.19%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