Morrison, IL · Cert 5746
FDIC
Q2 2002
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2002, the quarter ended June 30, 2002, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
No peer standings are published for this institution and quarter.
Peer groups below the disclosure floor are suppressed.
Morrison, IL · Cert 5746
FDIC
Q2 2002
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 2000 | Q4 2000 | Q1 2001 | Q2 2001 | Q3 2001 | Q4 2001 | Q1 2002 | Q2 2002 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 2.56% | 2.23% | 0.71% | 0.95% | 0.99% | 1.08% | 0.70% | 0.64% | -31 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | n/a | n/a | 5.29% | 4.28% | n/a | |
| Net Interest Margin | n/a | n/a | 3.06% | 3.14% | 3.23% | 3.50% | 1.85% | 2.13% | -101 bps | |
| Efficiency Ratio | n/a | n/a | 70.64% | 58.03% | 59.03% | 59.07% | 63.59% | 72.28% | +1,424 bps | |
| Non-Interest Burden | n/a | n/a | 2.02% | 1.36% | 1.53% | 1.67% | 1.08% | 1.47% | +11 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -14.11% | -10.93% | -6.61% | -3.51% | -4.18% | -9.54% | -6.23% | -8.67% | -515 bps | |
| Loan Growth (YoY) | -11.86% | -11.92% | -9.08% | -3.35% | -3.18% | -9.26% | -24.98% | -36.62% | -3,328 bps | |
| Deposit Growth (YoY) | -10.24% | -6.67% | 0.43% | 2.11% | 4.32% | -2.84% | -7.41% | -10.26% | -1,237 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 | n/a | n/a | 0.34% | 0.19% | 0.15% | 0.13% | -0.15% | -0.13% | -32 bps | |
| Allowance / Loans | n/a | n/a | 1.35% | 1.60% | 1.68% | 1.87% | 2.50% | 2.89% | +128 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 | n/a | n/a | 12.92% | 13.17% | 13.77% | 13.68% | 17.43% | 19.02% | +585 bps | |
| Equity / Assets | n/a | n/a | 8.26% | 8.54% | 9.28% | 8.87% | 17.40% | 18.12% | +958 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 89.57% | 85.22% | 82.79% | 85.19% | 83.12% | 79.59% | 67.08% | 60.17% | -2,503 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.02% | 0.00% | 0.01% | 0.02% | 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 |