Brazil, IN · Cert 25325
FDIC
Q2 2004
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2004, the quarter ended June 30, 2004, 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.
Brazil, IN · Cert 25325
FDIC
Q2 2004
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 | Q3 2002 | Q4 2002 | Q1 2003 | Q2 2003 | Q3 2003 | Q4 2003 | Q1 2004 | Q2 2004 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.48% | 1.41% | 1.25% | 1.30% | 1.20% | 1.15% | 0.95% | 0.70% | -59 bps | |
| Return on Equity | 18.18% | 16.92% | 13.35% | 13.75% | 12.56% | 11.99% | 9.59% | 7.32% | -643 bps | |
| Net Interest Margin | 3.98% | 4.01% | 3.41% | 3.54% | 3.38% | 3.25% | 2.81% | 2.77% | -77 bps | |
| Efficiency Ratio | 43.18% | 45.51% | 51.23% | 49.22% | 50.06% | 50.01% | 53.27% | 61.97% | +1,276 bps | |
| Non-Interest Burden | 1.27% | 1.37% | 1.30% | 1.26% | 1.24% | 1.19% | 0.95% | 1.32% | +6 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -2.17% | -12.10% | -8.99% | -1.95% | -8.03% | 1.85% | 0.76% | 7.47% | +942 bps | |
| Loan Growth (YoY) | -10.34% | -11.89% | -16.76% | -6.17% | -5.36% | -6.48% | -8.67% | -9.11% | -294 bps | |
| Deposit Growth (YoY) | 9.18% | -19.04% | -9.83% | -1.72% | -12.22% | 4.01% | 0.35% | 11.83% | +1,355 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 | 0.27% | 0.24% | 0.24% | 0.99% | 0.66% | 0.94% | 0.15% | 0.40% | -59 bps | |
| Allowance / Loans | 1.67% | 1.77% | 1.84% | 1.49% | 1.63% | 1.40% | 1.58% | 1.52% | +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 | 12.74% | 13.28% | 14.03% | 13.98% | 14.49% | 15.01% | 15.63% | 14.94% | +96 bps | |
| Equity / Assets | 8.43% | 9.28% | 9.44% | 9.57% | 9.82% | 9.79% | 10.02% | 9.10% | -47 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 110.60% | 125.73% | 117.39% | 120.30% | 119.25% | 113.04% | 106.84% | 97.77% | -2,253 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 |