Lerna, IL · Cert 3694
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 | 5.51% | 1.44% | 1.46% | -0.04% | 1.13% | 1.70% | 1.69% | 1.10% | +115 bps | |
| Return on Equity | 29.82% | 7.61% | 7.70% | -0.23% | 5.96% | 8.75% | 8.48% | 5.35% | +559 bps | |
| Net Interest Margin | 4.46% | 4.32% | 4.24% | 4.35% | 4.03% | 4.27% | 4.19% | 4.48% | +13 bps | |
| Efficiency Ratio | 70.54% | 67.52% | 67.24% | 73.95% | 74.31% | 63.56% | 62.93% | 81.25% | +730 bps | |
| Non-Interest Burden | 2.94% | 2.66% | 2.56% | 3.00% | 2.82% | 2.38% | 2.23% | 3.50% | +50 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 3.51% | 6.29% | 5.34% | 8.97% | 5.22% | -3.65% | -3.43% | -5.46% | -1,443 bps | |
| Loan Growth (YoY) | 9.99% | 8.34% | 6.76% | -3.17% | -9.95% | -13.89% | -10.13% | -11.79% | -862 bps | |
| Deposit Growth (YoY) | 0.06% | 6.96% | 3.95% | 4.27% | 3.89% | -4.78% | -5.66% | -4.49% | -875 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% | 0.00% | 0.00% | 4.32% | 0.00% | -0.13% | 0.53% | 5.03% | +71 bps | |
| Allowance / Loans | 3.85% | 3.81% | 4.00% | 2.94% | 3.13% | 3.27% | 3.16% | 1.97% | -97 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 | 35.86% | 35.89% | 34.38% | 24.92% | 25.54% | 26.78% | 27.50% | 27.77% | +285 bps | |
| Equity / Assets | 18.70% | 19.11% | 18.78% | 18.80% | 19.26% | 19.54% | 20.44% | 20.84% | +204 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 49.02% | 48.53% | 45.46% | 46.89% | 42.49% | 43.88% | 43.31% | 43.30% | -358 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 |