Clifton, IL · Cert 3638
FDIC
Q3 2004
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2004, the quarter ended September 30, 2004, 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.
Clifton, IL · Cert 3638
FDIC
Q3 2004
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 2002 | Q1 2003 | Q2 2003 | Q3 2003 | Q4 2003 | Q1 2004 | Q2 2004 | Q3 2004 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.97% | 0.75% | 0.85% | 0.81% | 1.01% | 0.65% | 0.95% | 1.02% | +21 bps | |
| Return on Equity | 9.73% | 7.40% | 8.43% | 8.01% | 9.98% | 6.28% | 9.27% | 9.72% | +170 bps | |
| Net Interest Margin | 3.26% | 3.26% | 3.13% | 3.33% | 3.17% | 2.98% | 3.06% | 3.17% | -16 bps | |
| Efficiency Ratio | 70.17% | 72.82% | 68.59% | 69.81% | 66.69% | 70.41% | 63.41% | 61.65% | -816 bps | |
| Non-Interest Burden | 1.97% | 2.04% | 1.79% | 1.98% | 1.72% | 1.84% | 1.62% | 1.53% | -44 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 0.06% | 2.28% | -0.20% | 1.47% | 0.25% | 2.59% | 3.42% | -3.50% | -497 bps | |
| Loan Growth (YoY) | -11.87% | -5.56% | -1.32% | -0.81% | -3.12% | -0.15% | 3.33% | 0.82% | +164 bps | |
| Deposit Growth (YoY) | 0.02% | 2.41% | -0.14% | 1.52% | 0.08% | 2.58% | 3.68% | -4.39% | -591 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% | 0.28% | 0.22% | 0.32% | 0.25% | 0.06% | 0.03% | 0.02% | -30 bps | |
| Allowance / Loans | 1.55% | 1.60% | 1.57% | 1.46% | 1.62% | 1.69% | 1.65% | 1.69% | +23 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 | 19.51% | 18.86% | 20.40% | 19.81% | 22.02% | 22.34% | 20.39% | 20.45% | +63 bps | |
| Equity / Assets | 9.94% | 10.31% | 10.03% | 10.25% | 10.30% | 10.53% | 10.02% | 11.19% | +95 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 53.21% | 53.33% | 52.71% | 55.88% | 51.51% | 51.91% | 52.53% | 58.93% | +305 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |