Rantoul, IL · Cert 30590
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 | -1.94% | -0.80% | -1.17% | -0.84% | -0.34% | -0.96% | 0.80% | -2.77% | -193 bps | |
| Return on Equity | -26.03% | -10.61% | -16.21% | -11.70% | -4.72% | -13.04% | 10.43% | -38.24% | -2,655 bps | |
| Net Interest Margin | 2.51% | 2.92% | 2.76% | 2.80% | 2.92% | 2.78% | 2.79% | 2.67% | -13 bps | |
| Efficiency Ratio | 128.53% | 125.20% | 131.29% | 122.33% | 114.09% | 129.75% | 84.29% | 134.86% | +1,253 bps | |
| Non-Interest Burden | 3.37% | 3.72% | 3.71% | 3.49% | 3.38% | 3.71% | 1.96% | 4.23% | +74 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 | 0.77% | 0.78% | 0.49% | 0.25% | 0.20% | -0.18% | -0.21% | -0.16% | -40 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 |