Sumner, IL · Cert 3839
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 | Q2 2003 | Q3 2003 | Q4 2003 | Q1 2004 | Q2 2004 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.18% | 1.07% | -1.19% | -0.18% | 0.12% | -6 bps | |
| Return on Equity | 0.18% | 1.07% | -1.19% | -0.18% | 0.12% | -6 bps | |
| Net Interest Margin | 4.42% | 5.73% | 2.98% | 2.16% | 2.09% | -232 bps | |
| Efficiency Ratio | 109.46% | 133.33% | 154.90% | 322% | 177.14% | +6,768 bps | |
| Non-Interest Burden | 4.83% | 7.64% | 4.66% | 6.94% | 3.70% | -113 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -86.49% | -86.17% | -8.64% | -0.67% | -0.04% | +8,645 bps | |
| Loan Growth (YoY) | -87.03% | -88.03% | -64.08% | -60.25% | -55.15% | +3,188 bps | |
| Deposit Growth (YoY) | -100.00% | -100.00% | n/a | n/a | n/a | n/a | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | 2.80% | -5.83% | 8.66% | -20.80% | -30.86% | -3,366 bps | |
| Allowance / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 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 | 198.72% | 231% | 279% | 300% | 309% | +10,981 bps | |
| Equity / Assets | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% | 0 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | n/a | n/a | n/a | n/a | n/a | n/a | |
| Liquid Assets / Assets | 60.75% | 69.42% | 78.43% | 81.76% | 82.76% | +2,201 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a |