Olney, IL · Cert 30319
FDIC
Q2 2005
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2005, the quarter ended June 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.
Olney, IL · Cert 30319
FDIC
Q2 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 | Q3 2003 | Q4 2003 | Q1 2004 | Q2 2004 | Q3 2004 | Q4 2004 | Q1 2005 | Q2 2005 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.45% | 0.52% | 0.60% | 0.74% | 0.63% | 0.53% | 0.76% | 0.76% | +2 bps | |
| Return on Equity | 3.29% | 3.74% | 4.07% | 5.02% | 4.27% | 3.58% | 4.92% | 4.87% | -15 bps | |
| Net Interest Margin | 3.30% | 3.35% | 3.12% | 3.21% | 3.14% | 3.15% | 3.32% | 3.44% | +24 bps | |
| Efficiency Ratio | 78.62% | 76.14% | 72.75% | 69.80% | 72.04% | 75.19% | 67.67% | 68.91% | -89 bps | |
| Non-Interest Burden | 2.45% | 2.38% | 2.06% | 1.95% | 1.99% | 2.16% | 1.98% | 2.07% | +12 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -13.58% | -11.68% | -6.97% | -5.17% | -0.56% | -1.31% | -3.89% | -5.59% | -41 bps | |
| Loan Growth (YoY) | -13.29% | -14.51% | -13.85% | -13.73% | -9.09% | -4.45% | -3.62% | -2.19% | +1,154 bps | |
| Deposit Growth (YoY) | -15.47% | -12.97% | -8.96% | -6.66% | -1.76% | -2.39% | -5.22% | -7.61% | -95 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 | 0.69% | 0.56% | 0.19% | 0.20% | 0.16% | 0.13% | -0.02% | 0.06% | -14 bps | |
| Allowance / Loans | 1.65% | 1.77% | 1.83% | 1.82% | 1.85% | 1.89% | 1.99% | 1.97% | +15 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 | 21.91% | 23.31% | 23.79% | 24.25% | 24.26% | 24.40% | 25.07% | 25.90% | +165 bps | |
| Equity / Assets | 14.43% | 14.72% | 14.78% | 14.83% | 15.02% | 15.26% | 15.59% | 15.98% | +115 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 73.46% | 70.63% | 67.68% | 68.01% | 67.98% | 69.14% | 68.82% | 72.01% | +399 bps | |
| Liquid Assets / Assets | 15.70% | 15.91% | 15.75% | 15.85% | 15.79% | 16.12% | 16.39% | 19.04% | +319 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |