Mattoon, IL · Cert 30644
FDIC
Q3 2004
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2004, the quarter ended September 30, 2004, 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.
Mattoon, IL · Cert 30644
FDIC
Q3 2004
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 2002 | Q1 2003 | Q2 2003 | Q3 2003 | Q4 2003 | Q1 2004 | Q2 2004 | Q3 2004 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.70% | 0.75% | 0.78% | 0.60% | 0.56% | 0.55% | 0.57% | 0.36% | -24 bps | |
| Return on Equity | 4.19% | 4.21% | 4.32% | 3.30% | 3.05% | 2.94% | 2.99% | 1.87% | -144 bps | |
| Net Interest Margin | 4.10% | 4.39% | 4.49% | 4.37% | 4.41% | 4.20% | 4.26% | 4.48% | +11 bps | |
| Efficiency Ratio | 72.08% | 70.16% | 69.33% | 73.29% | 75.90% | 79.44% | 78.55% | 87.31% | +1,402 bps | |
| Non-Interest Burden | 2.93% | 3.06% | 3.08% | 3.17% | 3.32% | 3.32% | 3.33% | 3.90% | +73 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -6.52% | -6.98% | -6.81% | -6.22% | -0.28% | -1.42% | -6.31% | -9.68% | -346 bps | |
| Loan Growth (YoY) | -7.46% | -3.56% | -7.73% | -12.85% | -12.87% | -14.16% | -11.89% | -14.13% | -129 bps | |
| Deposit Growth (YoY) | -8.74% | -9.15% | -8.94% | -7.91% | -0.86% | -2.34% | -8.10% | -12.45% | -454 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 | 0.19% | 0.76% | 0.53% | 0.37% | 0.69% | 0.00% | 0.00% | 0.04% | -33 bps | |
| Allowance / Loans | 0.53% | 0.38% | 0.41% | 0.72% | 0.38% | 0.41% | 0.46% | 0.49% | -23 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 | 38.72% | 38.60% | 40.59% | 41.96% | 42.60% | 42.69% | 44.88% | 47.69% | +573 bps | |
| Equity / Assets | 17.76% | 18.05% | 18.33% | 18.89% | 18.37% | 18.85% | 19.95% | 21.33% | +244 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 81.93% | 83.83% | 79.05% | 78.06% | 72.01% | 73.68% | 75.79% | 76.56% | -150 bps | |
| Liquid Assets / Assets | 22.43% | 23.31% | 25.80% | 28.82% | 29.21% | 25.74% | 23.57% | 22.61% | -621 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |