Clifton, IL · Cert 3638
FDIC
Q3 2004
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q4 2002 | Q1 2003 | Q2 2003 | Q3 2003 | Q4 2003 | Q1 2004 | Q2 2004 | Q3 2004 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.63% | 0.75% | 0.96% | 0.73% | 1.63% | 0.65% | 1.26% | 1.13% | +40 bps | |
| Return on Equity | 16.43% | 7.40% | 9.47% | 7.17% | 15.83% | 6.28% | 12.23% | 10.64% | +347 bps | |
| Net Interest Margin | 3.36% | 3.26% | 3.01% | 3.45% | 3.21% | 2.98% | 3.19% | 3.36% | -8 bps | |
| Efficiency Ratio | 61.17% | 72.82% | 63.93% | 72.19% | 58.15% | 70.41% | 56.84% | 58.84% | -1,334 bps | |
| Non-Interest Burden | 1.65% | 2.04% | 1.55% | 2.18% | 1.26% | 1.84% | 1.45% | 1.34% | -84 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 | 0.00% | 0.28% | 0.18% | 0.52% | -0.03% | 0.06% | 0.00% | 0.00% | -52 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 |