Godfrey, IL · Cert 34552
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 | -0.08% | 0.00% | -0.05% | -0.08% | 0.02% | 0.48% | 0.36% | 0.32% | +39 bps | |
| Return on Equity | -0.52% | 0.00% | -0.28% | -0.43% | 0.11% | 3.63% | 2.91% | 2.76% | +319 bps | |
| Net Interest Margin | 1.20% | 2.32% | 2.47% | 2.40% | 2.18% | 2.79% | 2.58% | 2.14% | -26 bps | |
| Efficiency Ratio | 107.03% | 95.50% | 95.62% | 94.80% | 87.68% | 72.03% | 69.13% | 71.57% | -2,323 bps | |
| Non-Interest Burden | 1.29% | 2.20% | 2.34% | 2.26% | 1.88% | 1.97% | 1.78% | 1.53% | -73 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 15.23% | 13.27% | 8.78% | 17.27% | 40.74% | 40.39% | 67.74% | 70.06% | +5,279 bps | |
| Loan Growth (YoY) | -6.00% | 11.27% | 19.90% | 38.01% | 60.84% | 41.34% | 40.91% | 16.86% | -2,115 bps | |
| Deposit Growth (YoY) | 6.39% | 5.10% | 15.02% | 22.19% | 51.41% | 51.47% | 82.98% | 84.96% | +6,277 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 | 0.00% | 0.00% | 0.29% | 0.23% | 0.17% | -0.03% | 0.11% | 0.13% | -10 bps | |
| Allowance / Loans | 1.48% | 1.30% | 1.19% | 1.10% | 1.16% | 1.15% | 1.20% | 1.25% | +15 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 | 25.66% | 22.08% | 20.56% | 17.95% | 16.37% | 16.09% | 14.29% | 14.43% | -352 bps | |
| Equity / Assets | 18.68% | 18.75% | 17.48% | 16.31% | 13.19% | 13.33% | 10.58% | 9.79% | -653 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 69.02% | 82.12% | 80.23% | 86.17% | 73.32% | 76.62% | 61.78% | 54.44% | -3,173 bps | |
| Liquid Assets / Assets | 16.65% | 6.84% | 7.82% | 5.96% | 20.02% | 16.67% | 30.86% | 1.18% | -478 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |