Mattoon, IL · Cert 30644
FDIC
Q3 2004
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q4 2002 | Q1 2003 | Q2 2003 | Q3 2003 | Q4 2003 | Q1 2004 | Q2 2004 | Q3 2004 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.72% | 0.75% | 0.80% | 0.24% | 0.43% | 0.55% | 0.59% | -0.08% | -32 bps | |
| Return on Equity | 4.12% | 4.21% | 4.42% | 1.29% | 2.32% | 2.94% | 3.05% | -0.38% | -167 bps | |
| Net Interest Margin | 4.26% | 4.39% | 4.54% | 4.15% | 4.22% | 4.20% | 4.24% | 4.31% | +16 bps | |
| Efficiency Ratio | 71.89% | 70.16% | 68.53% | 81.77% | 84.27% | 79.44% | 77.65% | 105.92% | +2,415 bps | |
| Non-Interest Burden | 3.05% | 3.06% | 3.06% | 3.37% | 3.54% | 3.32% | 3.27% | 4.57% | +120 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 | 0.00% | 0.76% | 0.26% | 0.00% | 1.61% | 0.00% | 0.00% | 0.13% | +13 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 |