Olney, IL · Cert 30319
FDIC
Q2 2005
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| 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% | 0.74% | 0.60% | 0.88% | 0.42% | 0.23% | 0.76% | 0.76% | -12 bps | |
| Return on Equity | 3.18% | 5.10% | 4.07% | 5.96% | 2.79% | 1.53% | 4.92% | 4.82% | -113 bps | |
| Net Interest Margin | 3.21% | 3.36% | 3.12% | 3.27% | 3.03% | 3.08% | 3.32% | 3.47% | +19 bps | |
| Efficiency Ratio | 79.21% | 68.82% | 72.75% | 67.14% | 76.70% | 85.89% | 67.67% | 70.08% | +294 bps | |
| Non-Interest Burden | 2.39% | 2.05% | 2.06% | 1.82% | 2.10% | 2.61% | 1.98% | 2.10% | +28 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 | 0.38% | 0.05% | 0.19% | 0.21% | 0.08% | 0.04% | -0.02% | 0.14% | -7 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 |