Effingham, IL · Cert 31068
FDIC
Q2 2005
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2003 | Q4 2003 | Q1 2004 | Q2 2004 | Q3 2004 | Q4 2004 | Q1 2005 | Q2 2005 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -1.34% | -1.64% | -0.76% | -0.75% | 1.35% | -1.86% | 0.93% | -0.69% | +7 bps | |
| Return on Equity | -23.13% | -30.07% | -14.39% | -15.02% | 24.70% | -29.29% | 13.91% | -6.60% | +842 bps | |
| Net Interest Margin | 2.52% | 2.61% | 3.00% | 3.06% | 3.20% | 3.35% | 3.60% | -0.28% | -334 bps | |
| Efficiency Ratio | 141.67% | 151.07% | 120.63% | 115.67% | 78.84% | 116.90% | 83.41% | 92.50% | -2,317 bps | |
| Non-Interest Burden | 3.82% | 4.17% | 3.75% | 3.65% | 1.70% | 4.03% | 2.69% | 0.35% | -330 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 | 0.05% | 0.71% | 0.22% | 0.43% | 0.25% | 0.23% | 0.16% | -0.14% | -56 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 |