Danville, IL · Cert 30385
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.
Danville, IL · Cert 30385
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 | 0.76% | 0.76% | 0.72% | 0.77% | 0.77% | 0.57% | 0.65% | 0.76% | -1 bps | |
| Return on Equity | 8.60% | 8.61% | 8.05% | 8.52% | 8.46% | 6.20% | 6.62% | 7.50% | -102 bps | |
| Net Interest Margin | 3.19% | 3.21% | 3.11% | 3.13% | 3.15% | 3.12% | 2.88% | 3.12% | -2 bps | |
| Efficiency Ratio | 60.35% | 60.39% | 60.69% | 59.98% | 60.52% | 69.42% | 65.23% | 60.60% | +63 bps | |
| Non-Interest Burden | 1.89% | 1.90% | 1.84% | 1.83% | 1.86% | 2.13% | 1.84% | 1.84% | +1 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -1.17% | -1.63% | -1.70% | -3.01% | -0.91% | -0.02% | -4.86% | -6.91% | -389 bps | |
| Loan Growth (YoY) | 1.81% | -2.39% | -4.84% | -5.48% | -7.81% | -10.35% | -9.14% | -7.18% | -171 bps | |
| Deposit Growth (YoY) | -1.71% | -4.79% | -5.35% | -6.86% | -4.94% | 1.84% | 1.56% | 1.81% | +867 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 | 0.03% | 0.03% | 0.00% | 0.10% | 0.12% | 0.09% | -0.04% | 0.02% | -7 bps | |
| Allowance / Loans | 0.49% | 0.51% | 0.56% | 0.54% | 0.53% | 0.59% | 0.60% | 0.59% | +5 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 | 18.03% | 18.83% | 19.81% | 20.28% | 20.72% | 21.73% | 22.16% | 22.89% | +261 bps | |
| Equity / Assets | 8.59% | 8.68% | 9.09% | 9.20% | 9.63% | 9.71% | 9.99% | 10.73% | +153 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 119.70% | 120.84% | 118.19% | 117.27% | 116.08% | 106.38% | 105.73% | 106.91% | -1,036 bps | |
| Liquid Assets / Assets | 5.18% | 3.17% | 5.09% | 4.44% | 4.31% | 8.44% | 4.90% | 1.76% | -268 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |