Decatur, IL · Cert 3649
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 | 1.43% | 1.37% | 1.36% | 1.38% | 1.34% | 1.25% | 1.08% | 1.12% | -25 bps | |
| Return on Equity | 13.36% | 12.76% | 12.64% | 14.84% | 17.41% | 16.44% | 14.23% | 14.73% | -11 bps | |
| Net Interest Margin | 3.57% | 3.38% | 3.39% | 3.40% | 3.21% | 3.22% | 3.01% | 3.04% | -36 bps | |
| Efficiency Ratio | 50.58% | 51.34% | 51.11% | 51.62% | 51.37% | 53.49% | 57.26% | 56.82% | +520 bps | |
| Non-Interest Burden | 1.31% | 1.16% | 1.20% | 1.18% | 1.03% | 1.21% | 1.23% | 1.27% | +8 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 | 0.21% | -0.01% | 0.20% | 0.18% | 0.18% | 0.05% | 0.05% | 0.04% | -14 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 |