Belleville, IL · Cert 34647
FDIC
Q3 2003
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q4 2001 | Q1 2002 | Q2 2002 | Q3 2002 | Q4 2002 | Q1 2003 | Q2 2003 | Q3 2003 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.75% | 1.54% | 0.25% | 1.12% | -2.59% | 0.62% | 0.43% | 0.44% | -67 bps | |
| Return on Equity | 17.23% | 14.20% | 2.11% | 8.89% | -13.16% | 2.43% | 1.67% | 1.70% | -719 bps | |
| Net Interest Margin | 3.07% | 3.36% | 3.26% | 3.13% | -6.33% | 2.83% | 2.92% | 2.83% | -31 bps | |
| Efficiency Ratio | 39.14% | 37.32% | 59.67% | 45.43% | 61.86% | 47.61% | 54.90% | 53.62% | +819 bps | |
| Non-Interest Burden | 1.12% | 0.93% | 2.28% | 1.31% | -2.59% | 1.60% | 1.92% | 1.81% | +51 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 | 0.00% | 0.00% | 1.16% | 0.01% | -0.90% | 0.00% | 0.01% | 0.00% | -1 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 |