Decatur, IL · Cert 34082
FDIC
Q4 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 | 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% | 0.07% | -0.85% | -0.96% | 1.27% | -0.23% | -1.11% | -1.66% | -70 bps | |
| Return on Equity | -16.64% | 0.62% | -7.33% | -8.43% | 12.19% | -2.19% | -10.92% | -16.72% | -829 bps | |
| Net Interest Margin | 3.29% | 3.10% | 3.14% | 3.11% | 2.77% | 2.41% | 2.44% | 2.60% | -51 bps | |
| Efficiency Ratio | 145.14% | 149.48% | 151.87% | 147.68% | 77.04% | 114.88% | 138.24% | 152.24% | +456 bps | |
| Non-Interest Burden | 5.16% | 5.12% | 5.25% | 5.03% | 1.52% | 3.02% | 3.75% | 4.45% | -58 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% | -0.16% | 0.02% | -0.01% | 0.23% | 2.23% | 1.06% | 0.82% | +83 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 |