Metropolis, IL · Cert 3813
FDIC
Q2 2004
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2002 | Q4 2002 | Q1 2003 | Q2 2003 | Q3 2003 | Q4 2003 | Q1 2004 | Q2 2004 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.65% | 0.76% | 0.25% | 0.46% | 0.96% | -0.04% | 0.51% | 0.62% | +16 bps | |
| Return on Equity | 8.87% | 9.84% | 3.21% | 5.97% | 12.71% | -0.50% | 6.65% | 8.29% | +232 bps | |
| Net Interest Margin | 3.66% | 3.78% | 3.60% | 3.50% | 3.49% | 3.55% | 3.48% | 3.49% | -1 bps | |
| Efficiency Ratio | 76.00% | 67.24% | 75.49% | 80.38% | 70.51% | 77.71% | 77.79% | 75.67% | -472 bps | |
| Non-Interest Burden | 2.65% | 2.30% | 2.60% | 2.72% | 2.25% | 2.64% | 2.60% | 2.52% | -21 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 1.27% | -2.22% | -4.93% | -1.26% | 2.80% | 1.55% | 0.00% | -1.59% | -33 bps | |
| Loan Growth (YoY) | -6.98% | -7.96% | -8.01% | -15.09% | -13.37% | -12.88% | -11.71% | -4.01% | +1,108 bps | |
| Deposit Growth (YoY) | 3.49% | -4.24% | -5.58% | -1.49% | 2.94% | 1.20% | -0.65% | -2.41% | -91 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 | 1.65% | 1.73% | 0.13% | 1.69% | 1.56% | 1.47% | -0.01% | 0.03% | -166 bps | |
| Allowance / Loans | 1.24% | 1.13% | 1.43% | 1.24% | 1.04% | 1.14% | 1.32% | 1.45% | +21 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 | 12.00% | 12.35% | 12.62% | 12.92% | 13.37% | 13.60% | 14.16% | 14.10% | +117 bps | |
| Equity / Assets | 7.54% | 7.84% | 7.66% | 7.74% | 7.41% | 7.51% | 7.88% | 7.00% | -75 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 71.08% | 72.66% | 68.80% | 63.85% | 59.81% | 62.55% | 61.14% | 62.80% | -105 bps | |
| Liquid Assets / Assets | 0.02% | 0.03% | 0.00% | 0.00% | 0.00% | 0.01% | 0.01% | 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 |