Galesburg, IL · Cert 3667
FDIC
Q4 2003
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 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.42% | 0.59% | 0.94% | 0.70% | 0.62% | -81 bps | |
| Return on Equity | 9.07% | 3.23% | 5.18% | 3.94% | 3.48% | -559 bps | |
| Net Interest Margin | 3.53% | 3.27% | 3.11% | 2.91% | 2.78% | -74 bps | |
| Efficiency Ratio | 68.34% | 78.33% | 82.94% | 85.29% | 85.34% | +1,701 bps | |
| Non-Interest Burden | 2.09% | 2.31% | 2.38% | 2.32% | 2.21% | +12 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 34.10% | 37.09% | 45.05% | -4.83% | -1.61% | -3,570 bps | |
| Loan Growth (YoY) | 27.83% | 22.02% | 18.35% | -9.65% | -50.21% | -7,803 bps | |
| Deposit Growth (YoY) | 38.35% | 38.55% | 47.83% | -8.05% | -4.05% | -4,240 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | -0.07% | 0.12% | -0.96% | -0.61% | -0.85% | -79 bps | |
| Allowance / Loans | 1.13% | 1.16% | 1.19% | 1.21% | 2.24% | +112 bps | |
| Allowance Coverage of NPLs | 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 |
| Total Risk-Based Capital | 22.49% | 23.51% | 24.19% | 22.52% | 22.92% | +44 bps | |
| Equity / Assets | 18.11% | 18.37% | 17.76% | 17.04% | 17.26% | -85 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 94.76% | 95.01% | 87.40% | 89.85% | 49.18% | -4,559 bps | |
| Liquid Assets / Assets | 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 |