Decatur, IL · Cert 34082
FDIC
Q4 2005
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q1 2004 | Q2 2004 | Q3 2004 | Q4 2004 | Q1 2005 | Q2 2005 | Q3 2005 | Q4 2005 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -1.94% | 2.08% | -2.72% | -1.31% | 1.27% | -1.70% | -2.90% | -3.35% | -204 bps | |
| Return on Equity | -16.64% | 18.16% | -23.75% | -11.87% | 12.19% | -16.78% | -29.25% | -36.25% | -2,438 bps | |
| Net Interest Margin | 3.29% | 2.96% | 3.22% | 2.93% | 2.77% | 2.02% | 2.57% | 2.77% | -17 bps | |
| Efficiency Ratio | 145.14% | 153.85% | 156.74% | 134.09% | 77.04% | 194.62% | 218% | 196.61% | +6,252 bps | |
| Non-Interest Burden | 5.16% | 5.15% | 5.50% | 4.22% | 1.52% | 4.49% | 5.32% | 6.05% | +183 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -1.06% | 0.91% | -2.78% | 0.94% | 2.18% | 2.07% | 1.67% | -3.33% | -427 bps | |
| Loan Growth (YoY) | -6.48% | -7.37% | -6.67% | -2.89% | -3.97% | -1.98% | 0.99% | -6.22% | -333 bps | |
| Deposit Growth (YoY) | 1.55% | 5.15% | -1.92% | 2.36% | 3.64% | 1.87% | 2.35% | -0.56% | -292 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 | -0.50% | 0.19% | 0.37% | -0.09% | 0.23% | 4.23% | -1.09% | -0.10% | -1 bps | |
| Allowance / Loans | 4.56% | 2.91% | 2.92% | 2.91% | 2.96% | 1.62% | 1.81% | 1.96% | -95 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 | 17.05% | 17.79% | 16.66% | 16.00% | 16.64% | 16.14% | 14.96% | 14.55% | -145 bps | |
| Equity / Assets | 11.46% | 11.47% | 11.43% | 10.69% | 10.10% | 10.22% | 9.60% | 8.90% | -180 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 71.93% | 72.03% | 74.53% | 73.08% | 66.65% | 69.30% | 73.54% | 68.92% | -416 bps | |
| Liquid Assets / Assets | 0.08% | 0.08% | 0.08% | 0.08% | 0.08% | 0.09% | 0.09% | 0.09% | +1 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |