Sumner, IL · Cert 3839
FDIC
Q2 2004
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 | Q3 2002 | Q4 2002 | Q1 2003 | Q2 2003 | Q3 2003 | Q4 2003 | Q1 2004 | Q2 2004 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.39% | 2.96% | 3.53% | 1.88% | 1.61% | 0.92% | -0.18% | -0.03% | -191 bps | |
| Return on Equity | 3.76% | 22.51% | 3.72% | 1.95% | 1.66% | 0.94% | -0.18% | -0.03% | -198 bps | |
| Net Interest Margin | 3.14% | 4.73% | 5.57% | 5.13% | 5.33% | 4.75% | 2.16% | 2.12% | -301 bps | |
| Efficiency Ratio | n/a | 111.63% | 142.72% | 128.81% | 130.40% | 134.26% | 322% | 251% | +12,189 bps | |
| Non-Interest Burden | 8.73% | 5.37% | 8.08% | 6.65% | 6.99% | 6.40% | 6.94% | 5.32% | -134 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -15.57% | -86.64% | -87.03% | -86.49% | -86.17% | -8.64% | -0.67% | -0.04% | +8,645 bps | |
| Loan Growth (YoY) | -63.58% | -90.52% | -84.98% | -87.03% | -88.03% | -64.08% | -60.25% | -55.15% | +3,188 bps | |
| Deposit Growth (YoY) | -17.03% | -100.00% | -100.00% | -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% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | -4.85% | -8.31% | -18.57% | -9.81% | -9.72% | -8.66% | -20.80% | -26.56% | -1,675 bps | |
| Allowance / Loans | 2.93% | 3.75% | 4.13% | 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 | 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 | 27.37% | 148.40% | 176.42% | 198.72% | 231% | 279% | 300% | 309% | +10,981 bps | |
| Equity / Assets | 11.38% | 90.50% | 99.36% | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% | 0 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 37.49% | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | |
| Liquid Assets / Assets | 0.69% | 33.82% | 53.01% | 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 | n/a | n/a | n/a |