Belleville, IL · Cert 34647
FDIC
Q3 2003
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2003, the quarter ended September 30, 2003, 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.
Belleville, IL · Cert 34647
FDIC
Q3 2003
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 2001 | Q1 2002 | Q2 2002 | Q3 2002 | Q4 2002 | Q1 2003 | Q2 2003 | Q3 2003 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.48%1 | 1.54% | 0.92% | 0.98% | 0.07% | 0.62% | 0.53% | 0.50% | -48 bps | |
| Return on Equity | n/a | 14.20% | 8.11% | 8.37% | 0.48% | 2.43% | 2.05% | 1.93% | -644 bps | |
| Net Interest Margin | 2.55% | 3.36% | 3.39% | 3.39% | 0.64% | 2.83% | 2.91% | 2.89% | -51 bps | |
| Efficiency Ratio | 66.16% | 37.32% | 45.72% | 45.63% | 43.51% | 47.61% | 51.21% | 51.99% | +637 bps | |
| Non-Interest Burden | 1.91% | 0.93% | 1.62% | 1.56% | 0.37% | 1.60% | 1.78% | 1.79% | +23 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -6.46% | -14.20% | -16.56% | -15.70% | 2.24% | 8.39% | 12.41% | 16.22% | +3,192 bps | |
| Loan Growth (YoY) | 9.01% | 1.31% | 21.29% | 28.43% | 38.86% | 46.54% | 41.54% | 29.89% | +145 bps | |
| Deposit Growth (YoY) | -9.82% | -17.33% | -19.31% | -18.47% | -15.72% | -12.78% | -5.76% | -2.01% | +1,645 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 | 0.47% | 0.00% | 0.58% | 0.37% | 0.00% | 0.00% | 0.00% | 0.00% | -37 bps | |
| Allowance / Loans | 1.70% | 1.70% | 1.76% | 1.75% | 1.75% | 1.76% | 1.84% | 2.03% | +28 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 | 23.58% | 24.95% | 25.40% | 25.77% | 20.11% | 19.50% | 20.08% | 20.05% | -572 bps | |
| Equity / Assets | 10.41% | 11.38% | 12.20% | 12.90% | 25.44% | 25.45% | 26.12% | 26.06% | +1,316 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 33.21% | 35.28% | 40.04% | 43.81% | 54.72% | 59.27% | 60.13% | 58.08% | +1,426 bps | |
| Liquid Assets / Assets | 34.12% | 36.14% | 30.37% | 27.23% | 0.00% | 0.00% | 0.00% | 0.00% | -2,723 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |