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Marquette Bank Morrison

Morrison, IL · Cert 5746

FDIC

Q2 2002

$97.2MAssets
$46.6MLoans
$77.5MDeposits
$17.6MEquity
Loan mix
79%RE $24.8M21%C&I $6.5M0%Consumer $0.0MQ2 2001Q2 2002
Deposit mix
91%Interest-bearing $70.7M9%Noninterest $6.7MQ2 2001Q2 2002

NIM

7.27%Q1 ’017.11%Q2 ’014.19%Q2 ’02+5%-25%

Non-interest income vs. expense

2.50%Q1 ’012.39%Q2 ’012.33%Q2 ’02-66%+167%

Executive Summary

  • Earnings: ROA of 0.56%, down 62 bps year over year; NIM at 2.41%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net recoveries of 0.09%.
  • Funding: loans stand at 60.17% of deposits as of Q2 2002.

Financial Results

Return on Assets (quarter, annualized)

0.56%-62 bps YoY

Net Interest Margin (quarter, annualized)

2.41%-79 bps YoY

Efficiency Ratio (quarter, annualized)

78.93%+3,009 bps YoY

Tier 1 Leverage Ratio

n/a

Discrete quarter, annualized.

MetricQ2 2001Q3 2001Q4 2001Q1 2002Q2 2002YoY ΔTrend
Earnings
Return on Assets1.18%1.07%1.34%0.70%0.56%-62 bps
Return on Equity14.06%11.97%14.72%5.29%3.18%-1,088 bps
Net Interest Margin3.20%3.48%3.69%1.85%2.41%-79 bps
Efficiency Ratio48.84%61.09%59.17%63.59%78.93%+3,009 bps
Non-Interest Burden0.70%1.89%1.81%1.08%1.85%+116 bps
Growth
Asset Growth (YoY)-3.51%-4.18%-9.54%-6.23%-8.67%-515 bps
Loan Growth (YoY)-3.35%-3.18%-9.26%-24.98%-36.62%-3,328 bps
Deposit Growth (YoY)2.11%4.32%-2.84%-7.41%-10.26%-1,237 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.05%0.07%0.02%-0.15%-0.09%-14 bps
Allowance / Loans1.60%1.68%1.87%2.50%2.89%+128 bps
Allowance Coverage of NPLsn/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ration/an/an/an/an/an/an/a
Total Risk-Based Capital13.17%13.77%13.68%17.43%19.02%+585 bps
Equity / Assets8.54%9.28%8.87%17.40%18.12%+958 bps
Liquidity & Funding
Loans / Deposits85.19%83.12%79.59%67.08%60.17%-2,503 bps
Liquid Assets / Assets0.00%0.01%0.02%0.00%0.00%0 bps
CRE / Total Capitaln/an/an/an/an/an/an/a