Pekin, IL · Cert 30775
FDIC
Q3 2005
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2005, the quarter ended September 30, 2005, 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.
Pekin, IL · Cert 30775
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 | 0.65% | 0.48% | 0.50% | 0.53% | 0.58% | 0.80% | 0.76% | 0.68% | +15 bps | |
| Return on Equity | 7.79% | 5.56% | 5.90% | 6.13% | 6.75% | 9.33% | 8.79% | 7.74% | +162 bps | |
| Net Interest Margin | 2.85% | 2.76% | 2.74% | 2.81% | 2.88% | 3.12% | 3.05% | 3.13% | +31 bps | |
| Efficiency Ratio | 64.86% | 76.07% | 75.65% | 75.44% | 74.33% | 67.49% | 69.37% | 73.19% | -225 bps | |
| Non-Interest Burden | 1.63% | 1.95% | 1.91% | 1.96% | 1.96% | 1.87% | 1.90% | 2.10% | +14 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -2.54% | -3.73% | -0.30% | 2.12% | 3.74% | 9.26% | 5.27% | 5.79% | +367 bps | |
| Loan Growth (YoY) | -10.20% | -5.33% | 12.17% | 18.59% | 26.04% | 27.55% | 21.87% | 15.89% | -271 bps | |
| Deposit Growth (YoY) | -2.24% | -4.05% | -1.35% | -0.23% | 2.63% | 10.51% | 9.00% | 8.59% | +882 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 | 0.13% | -0.13% | -0.03% | 0.06% | 0.05% | 0.02% | 0.11% | 0.09% | +4 bps | |
| Allowance / Loans | 0.92% | 0.95% | 0.88% | 0.78% | 0.78% | 0.79% | 0.76% | 0.78% | 0 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 | 15.04% | 14.58% | 13.96% | 13.88% | 13.76% | 13.17% | 13.12% | 13.15% | -72 bps | |
| Equity / Assets | 8.63% | 8.74% | 8.33% | 8.70% | 8.85% | 8.41% | 8.76% | 8.91% | +21 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 72.77% | 74.39% | 79.70% | 87.73% | 89.36% | 85.85% | 89.11% | 93.62% | +589 bps | |
| Liquid Assets / Assets | 5.03% | 6.18% | 4.94% | 3.96% | 2.72% | 5.68% | 2.21% | 1.65% | -231 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |