PackageTrendsPeer
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Riverton Community Bank

Riverton, IL · Cert 19438

FDIC

Q3 2004

$33.9MAssets
$16.2MLoans
$30.6MDeposits
$3.2MEquity
Loan mix
73%RE $10.5M27%C&I $3.9M0%Consumer $0.0MQ4 2002Q3 2004
Deposit mix
87%Interest-bearing $26.6M13%Noninterest $4.0MQ4 2002Q3 2004

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.

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
n/a

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%

Year to date, annualized, through each quarter.

MetricQ4 2002Q1 2003Q2 2003Q3 2003Q4 2003Q1 2004Q2 2004Q3 2004YoY ΔTrend
Earnings
Return on Assets0.72%0.69%0.61%0.54%0.69%0.75%0.55%0.56%+2 bps
Return on Equity7.19%6.95%6.32%5.72%7.27%7.94%6.00%6.11%+39 bps
Net Interest Margin3.01%2.85%2.69%2.47%2.59%2.74%2.61%2.63%+15 bps
Efficiency Ratio68.16%67.90%69.65%71.09%72.47%71.60%77.02%76.04%+495 bps
Non-Interest Burden1.97%1.86%1.80%1.69%1.81%1.89%1.95%1.94%+25 bps
Growth
Asset Growth (YoY)1.78%3.10%3.98%6.32%6.91%2.95%0.83%-2.68%-900 bps
Loan Growth (YoY)7.77%6.02%-5.31%-13.99%-16.21%-15.85%-13.63%-7.71%+628 bps
Deposit Growth (YoY)2.13%3.54%4.43%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%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.02%0.00%0.00%0.00%0.05%0.00%0.00%0.00%0 bps
Allowance / Loans0.46%0.47%0.49%0.54%0.51%0.51%0.52%0.54%0 bps
Allowance Coverage of NPLsn/an/an/an/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ration/an/an/an/an/an/an/an/an/an/a
Total Risk-Based Capital18.10%18.60%19.10%20.97%21.35%22.01%21.67%23.43%+246 bps
Equity / Assets9.99%9.79%9.36%8.92%9.18%9.77%8.63%9.44%+52 bps
Liquidity & Funding
Loans / Deposits74.08%70.77%63.34%55.53%57.49%57.78%53.79%52.92%-261 bps
Liquid Assets / Assets14.00%15.73%12.68%11.19%11.77%11.58%10.79%10.92%-27 bps
CRE / Total Capitaln/an/an/an/an/an/an/an/an/an/a