Effingham, IL · Cert 31068
FDIC
Q2 2005
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2005, the quarter ended June 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.
Effingham, IL · Cert 31068
FDIC
Q2 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 | Q3 2003 | Q4 2003 | Q1 2004 | Q2 2004 | Q3 2004 | Q4 2004 | Q1 2005 | Q2 2005 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.63% | -0.87% | -0.76% | -0.76% | -0.10% | -0.48% | 0.93% | 0.13% | +89 bps | |
| Return on Equity | -10.67% | -15.12% | -14.39% | -14.81% | -1.85% | -8.67% | 13.91% | 1.41% | +1,622 bps | |
| Net Interest Margin | 2.54% | 2.58% | 3.00% | 3.06% | 3.36% | 3.38% | 3.60% | 1.65% | -140 bps | |
| Efficiency Ratio | 124.33% | 130.37% | 120.63% | 118.13% | 99.45% | 102.88% | 83.41% | 88.21% | -2,992 bps | |
| Non-Interest Burden | 3.39% | 3.61% | 3.75% | 3.74% | 3.37% | 3.56% | 2.69% | 1.52% | -222 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -18.41% | -9.30% | -4.59% | -4.37% | -17.64% | -25.21% | -30.83% | -25.61% | -2,125 bps | |
| Loan Growth (YoY) | -27.82% | -19.30% | -3.95% | 3.03% | -8.02% | -13.47% | -18.00% | -21.25% | -2,428 bps | |
| Deposit Growth (YoY) | -10.50% | -8.37% | -3.41% | -3.03% | -21.82% | -27.23% | -32.02% | -32.63% | -2,961 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 | 0.95% | 0.95% | 0.22% | 0.32% | 0.30% | 0.31% | 0.16% | 0.01% | -31 bps | |
| Allowance / Loans | 1.35% | 1.32% | 1.33% | 1.23% | 1.23% | 1.37% | 1.45% | 1.46% | +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 | 12.27% | 11.77% | 11.69% | 10.85% | 12.50% | 12.89% | 14.11% | 18.00% | +715 bps | |
| Equity / Assets | 5.57% | 5.35% | 5.22% | 4.78% | 6.25% | 6.42% | 6.96% | 13.68% | +889 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 57.92% | 54.57% | 53.00% | 55.73% | 68.15% | 64.89% | 63.93% | 65.14% | +942 bps | |
| Liquid Assets / Assets | 0.94% | 1.03% | 1.02% | 1.04% | 0.65% | 0.80% | 0.84% | 0.77% | -27 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |