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Millbrook-Newark Bank

Newark, IL · Cert 5747

FDIC

Q1 2001

$31.8MAssets
$17.9MLoans
$27.7MDeposits
$2.7MEquity
Deposit mix
88%Interest-bearing $24.5M12%Noninterest $3.2MQ1 2000Q1 2001

NIM

Non-interest income vs. expense

Executive Summary

  • Earnings: ROA of 0.80%, up 8 bps year over year; NIM at 3.73%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.00%.
  • Funding: loans stand at 64.64% of deposits as of Q1 2001.

Financial Results

Return on Assets (quarter, annualized)

0.80%+8 bps YoY

Net Interest Margin (quarter, annualized)

3.73%

Efficiency Ratio (quarter, annualized)

70.43%

Tier 1 Leverage Ratio

n/a

Discrete quarter, annualized.

MetricQ1 2000Q2 2000Q3 2000Q4 2000Q1 2001YoY ΔTrend
Earnings
Return on Assets0.72%0.76%0.76%0.76%0.80%+8 bps
Return on Equityn/an/an/an/an/an/an/a
Net Interest Marginn/an/an/an/a3.73%n/an/a
Efficiency Ration/an/an/an/a70.43%n/an/a
Non-Interest Burdenn/an/an/an/a2.51%n/an/a
Growth
Asset Growth (YoY)6.71%5.26%7.26%4.09%5.28%-144 bps
Loan Growth (YoY)-1.06%7.79%8.56%14.26%15.12%+1,618 bps
Deposit Growth (YoY)7.26%3.35%5.54%0.97%2.47%-478 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loansn/an/an/an/a0.00%n/an/a
Allowance / Loansn/an/an/an/a0.64%n/an/a
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 Capitaln/an/an/an/a14.23%n/an/a
Equity / Assetsn/an/an/an/a8.59%n/an/a
Liquidity & Funding
Loans / Deposits57.54%64.57%62.23%63.27%64.64%+710 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%1.12%+112 bps
CRE / Total Capitaln/an/an/an/an/an/an/a