Homer, IL · Cert 3680
FDIC
Q4 2004
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q1 2003 | Q2 2003 | Q3 2003 | Q4 2003 | Q1 2004 | Q2 2004 | Q3 2004 | Q4 2004 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.38% | -0.91% | 0.91% | -0.07% | -0.07% | -0.38% | -1.23% | -1.96% | -189 bps | |
| Return on Equity | -3.57% | -8.90% | 8.91% | -0.65% | -0.65% | -3.66% | -11.56% | -18.56% | -1,791 bps | |
| Net Interest Margin | 3.58% | 3.67% | 4.77% | 4.23% | 3.73% | 4.05% | 4.39% | 4.60% | +38 bps | |
| Efficiency Ratio | 100.75% | 102.40% | 69.62% | 96.60% | 101.43% | 108.03% | 124.46% | 132.88% | +3,628 bps | |
| Non-Interest Burden | 3.62% | 3.77% | 3.16% | 4.07% | 3.79% | 4.42% | 5.58% | 6.25% | +218 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -3.08% | -3.38% | 0.21% | 8.42% | 0.46% | -4.95% | -9.67% | -10.58% | -1,900 bps | |
| Loan Growth (YoY) | -11.39% | -13.91% | -22.91% | -13.76% | -14.34% | -7.97% | -1.47% | -12.95% | +82 bps | |
| Deposit Growth (YoY) | 2.28% | 2.72% | 7.00% | 9.78% | 0.57% | -5.28% | -10.24% | -10.75% | -2,053 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 | -0.58% | 1.07% | -6.00% | 1.27% | -0.99% | -0.29% | -0.06% | -3.30% | -457 bps | |
| Allowance / Loans | 3.32% | 3.42% | 5.33% | 5.17% | 6.02% | 5.75% | 5.58% | 7.11% | +194 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 | 17.11% | 16.90% | 17.95% | 17.94% | 19.75% | 18.96% | 18.11% | 20.27% | +233 bps | |
| Equity / Assets | 10.17% | 10.23% | 10.11% | 10.19% | 10.12% | 10.59% | 10.72% | 10.38% | +20 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 69.86% | 71.04% | 66.31% | 67.37% | 59.50% | 69.02% | 72.79% | 65.71% | -166 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 |