Decatur, IL · Cert 3649
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.
Decatur, IL · Cert 3649
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 | 1.39% | 1.37% | 1.36% | 1.37% | 1.36% | 1.25% | 1.17% | 1.15% | -22 bps | |
| Return on Equity | 12.95% | 12.76% | 12.69% | 13.68% | 14.27% | 16.44% | 15.37% | 15.11% | +143 bps | |
| Net Interest Margin | 3.58% | 3.38% | 3.39% | 3.38% | 3.34% | 3.22% | 3.13% | 3.07% | -31 bps | |
| Efficiency Ratio | 53.05% | 51.34% | 51.23% | 51.36% | 51.36% | 53.49% | 55.32% | 55.81% | +445 bps | |
| Non-Interest Burden | 1.43% | 1.16% | 1.18% | 1.18% | 1.14% | 1.21% | 1.23% | 1.23% | +5 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 0.90% | 1.33% | -0.06% | -2.32% | -1.75% | 1.25% | -0.34% | 3.39% | +570 bps | |
| Loan Growth (YoY) | 1.19% | -7.13% | -8.80% | -6.44% | -4.59% | 7.17% | 7.64% | 5.95% | +1,239 bps | |
| Deposit Growth (YoY) | -0.90% | -2.17% | -1.73% | -0.71% | -0.46% | 4.68% | 6.03% | 6.24% | +695 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 | 0.13% | -0.01% | 0.10% | 0.12% | 0.14% | 0.05% | 0.05% | 0.05% | -8 bps | |
| Allowance / Loans | 1.38% | 1.56% | 1.56% | 1.52% | 1.50% | 1.49% | 1.52% | 1.54% | +2 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 | 15.98% | 17.54% | 17.38% | 12.20% | 12.06% | 11.82% | 11.81% | 12.04% | -17 bps | |
| Equity / Assets | 10.75% | 10.67% | 10.77% | 7.76% | 7.66% | 7.53% | 7.58% | 7.67% | -9 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 78.31% | 73.51% | 72.80% | 73.84% | 75.05% | 75.26% | 73.90% | 73.64% | -20 bps | |
| Liquid Assets / Assets | 3.80% | 5.67% | 8.72% | 8.52% | 7.98% | 9.92% | 9.05% | 7.73% | -78 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |