Moline, IL · Charter 65694
Q2 2005
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Net Worth / Assets
Year to date, annualized, through each quarter.
| Metric | Q3 2003 | Q4 2003 | Q1 2004 | Q2 2004 | Q3 2004 | Q4 2004 | Q1 2005 | Q2 2005 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.06% | 0.03% | -0.63% | -0.43% | -0.42% | -0.37% | -0.74% | -0.81% | -38 bps | |
| Return on Equity | 0.35% | 0.20% | -4.03% | -2.54% | -2.47% | -2.15% | -4.07% | -8.88% | -635 bps | |
| Net Interest Margin | 2.28% | 2.26% | 1.63% | 1.94% | 2.00% | 2.06% | 2.12% | 2.00% | +7 bps | |
| Efficiency Ratio | 97.48% | 98.53% | 138.79% | 122.24% | 120.97% | 117.85% | 134.68% | 140.59% | +1,836 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -0.11% | -7.26% | 2.51% | -7.42% | -4.82% | -4.03% | -14.94% | -10.08% | -266 bps | |
| Loan Growth (YoY) | 3.11% | -5.22% | -12.26% | 4.66% | 15.45% | 24.46% | 28.26% | 39.25% | +3,459 bps | |
| Share Growth (YoY) | 0.00% | -8.47% | 3.44% | -7.79% | -4.66% | -3.91% | -16.93% | -1.60% | +618 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.41% | 0.65% | 0.60% | 0.52% | 0.31% | 0.00% | 0.00% | 0.00% | -52 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.77% | 0.87% | 0.94% | 0.86% | 0.67% | 0.49% | 0.58% | 0.49% | -38 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 16.47% | 16.75% | 15.69% | 16.99% | 16.97% | 17.09% | 18.06% | 9.16% | -783 bps | |
| Net Worth / Assets | 16.47% | 16.75% | 15.69% | 16.99% | 16.97% | 17.09% | 18.06% | 9.16% | -783 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 38.17% | 34.41% | 29.70% | 35.65% | 46.23% | 44.57% | 45.85% | 50.44% | +1,480 bps | |
| Liquid Assets / Assets | 36.46% | 28.52% | 29.85% | 16.00% | 12.73% | 30.89% | 28.14% | 25.28% | +928 bps | |