Rantoul, IL · Cert 30590
FDIC
Q3 2005
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q4 2003 | Q1 2004 | Q2 2004 | Q3 2004 | Q4 2004 | Q1 2005 | Q2 2005 | Q3 2005 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -5.46% | -0.80% | -1.56% | -0.18% | 1.18% | -0.96% | 2.60% | -10.14% | -996 bps | |
| Return on Equity | -66.44% | -10.61% | -21.84% | -2.55% | 16.21% | -13.04% | 33.50% | -142.82% | -14,026 bps | |
| Net Interest Margin | 2.27% | 2.92% | 2.63% | 2.82% | 3.13% | 2.78% | 2.72% | 2.35% | -46 bps | |
| Efficiency Ratio | 146.49% | 125.20% | 137.87% | 105.41% | 91.61% | 129.75% | 64.64% | 333% | +22,728 bps | |
| Non-Interest Burden | 3.58% | 3.72% | 3.73% | 2.99% | 2.84% | 3.71% | 0.11% | 8.74% | +574 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 5.74% | 3.85% | -2.41% | 1.44% | -4.48% | -3.90% | -6.99% | -8.21% | -965 bps | |
| Loan Growth (YoY) | -13.95% | -15.16% | -14.75% | -6.55% | 3.23% | 4.69% | -2.67% | -8.22% | -168 bps | |
| Deposit Growth (YoY) | -2.79% | -3.28% | -4.45% | -1.43% | -2.40% | -3.40% | -5.84% | -2.73% | -129 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 | 2.24% | 0.78% | 0.21% | -0.20% | 0.08% | -0.18% | -0.22% | -0.06% | +15 bps | |
| Allowance / Loans | 2.12% | 1.97% | 1.90% | 1.86% | 1.40% | 1.47% | 1.64% | 1.67% | -19 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 | 19.17% | 19.28% | 17.90% | 17.01% | 17.98% | 17.61% | 20.38% | 15.37% | -164 bps | |
| Equity / Assets | 7.46% | 7.52% | 6.73% | 7.00% | 7.56% | 7.16% | 8.40% | 5.79% | -121 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 54.84% | 53.40% | 54.44% | 57.32% | 58.00% | 57.87% | 56.27% | 54.08% | -324 bps | |
| Liquid Assets / Assets | 3.01% | 2.02% | 1.23% | 1.85% | 0.45% | 0.99% | 1.26% | 6.07% | +422 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |