Bloomington, IL · Cert 28428
FDIC
Q3 2005
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2005, the quarter ended September 30, 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.
Bloomington, IL · Cert 28428
FDIC
Q3 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 | Q4 2003 | Q1 2004 | Q2 2004 | Q3 2004 | Q4 2004 | Q1 2005 | Q2 2005 | Q3 2005 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.50% | 0.80% | 0.84% | 0.82% | 1.02% | 0.14% | 0.45% | 0.56% | -26 bps | |
| Return on Equity | 5.51% | 8.94% | 9.28% | 8.90% | 10.83% | 1.43% | 3.62% | 4.12% | -478 bps | |
| Net Interest Margin | 3.24% | 3.21% | 3.27% | 3.31% | 3.33% | 3.26% | 1.72% | 2.21% | -110 bps | |
| Efficiency Ratio | 64.05% | 72.37% | 68.79% | 66.70% | 62.76% | 58.43% | 53.49% | 54.25% | -1,245 bps | |
| Non-Interest Burden | 1.75% | 2.15% | 2.06% | 2.01% | 1.86% | 1.72% | 0.94% | 1.23% | -77 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -2.02% | -1.56% | -3.59% | -6.70% | -6.70% | -12.50% | -3.54% | -1.84% | +486 bps | |
| Loan Growth (YoY) | -2.34% | -4.91% | -7.75% | -14.40% | -16.04% | -13.51% | -8.56% | -8.98% | +542 bps | |
| Deposit Growth (YoY) | 0.36% | 2.49% | -0.40% | -6.01% | -7.68% | -7.86% | -6.74% | -4.18% | +183 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 | 1.13% | -0.48% | -0.26% | -0.11% | -0.06% | 0.60% | 0.04% | 0.03% | +15 bps | |
| Allowance / Loans | 1.08% | 1.20% | 1.27% | 1.31% | 1.15% | 1.48% | 1.54% | 1.63% | +32 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 | 13.53% | 14.41% | 15.99% | 16.13% | 16.67% | 16.75% | 16.70% | 16.88% | +75 bps | |
| Equity / Assets | 8.78% | 9.07% | 9.47% | 9.70% | 9.93% | 10.22% | 17.01% | 16.96% | +726 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 111.25% | 104.62% | 100.94% | 102.18% | 101.18% | 98.21% | 98.97% | 97.06% | -512 bps | |
| Liquid Assets / Assets | 1.80% | 3.88% | 6.48% | 4.74% | 6.89% | 4.04% | 3.04% | 7.29% | +256 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |