PackageTrendsPeer
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Okaw Building and Loan, S.B.

Mattoon, IL · Cert 30644

FDIC

Q3 2004

$14.8MAssets
$8.9MLoans
$11.6MDeposits
$3.2MEquity
Deposit mix
100%Interest-bearing $11.6M0%Noninterest $0.0MQ3 2003Q3 2004

NIM

6.15%Q3 ’025.72%Q3 ’035.46%Q3 ’04+5%+4%

Non-interest income vs. expense

3.12%Q3 ’023.51%Q3 ’034.67%Q3 ’04+14%+36%

Executive Summary

  • Earnings: ROA of -0.08%, down 32 bps year over year; NIM at 4.31%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.13%.
  • Funding: loans stand at 76.56% of deposits as of Q3 2004.

Financial Results

Return on Assets (quarter, annualized)

-0.08%-32 bps YoY

Net Interest Margin (quarter, annualized)

4.31%+16 bps YoY

Efficiency Ratio (quarter, annualized)

105.92%+2,415 bps YoY

Tier 1 Leverage Ratio

n/a

Discrete quarter, annualized.

MetricQ3 2003Q4 2003Q1 2004Q2 2004Q3 2004YoY ΔTrend
Earnings
Return on Assets0.24%0.43%0.55%0.59%-0.08%-32 bps
Return on Equity1.29%2.32%2.94%3.05%-0.38%-167 bps
Net Interest Margin4.15%4.22%4.20%4.24%4.31%+16 bps
Efficiency Ratio81.77%84.27%79.44%77.65%105.92%+2,415 bps
Non-Interest Burden3.37%3.54%3.32%3.27%4.57%+120 bps
Growth
Asset Growth (YoY)-6.22%-0.28%-1.42%-6.31%-9.68%-346 bps
Loan Growth (YoY)-12.85%-12.87%-14.16%-11.89%-14.13%-129 bps
Deposit Growth (YoY)-7.91%-0.86%-2.34%-8.10%-12.45%-454 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.00%1.61%0.00%0.00%0.13%+13 bps
Allowance / Loans0.72%0.38%0.41%0.46%0.49%-23 bps
Allowance Coverage of NPLsn/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ration/an/an/an/an/an/an/a
Total Risk-Based Capital41.96%42.60%42.69%44.88%47.69%+573 bps
Equity / Assets18.89%18.37%18.85%19.95%21.33%+244 bps
Liquidity & Funding
Loans / Deposits78.06%72.01%73.68%75.79%76.56%-150 bps
Liquid Assets / Assets28.82%29.21%25.74%23.57%22.61%-621 bps
CRE / Total Capitaln/an/an/an/an/an/an/a