Mattoon, IL · Charter 65902
Q1 2005
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2005, the quarter ended March 31, 2005, 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.
Mattoon, IL · Charter 65902
Q1 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 | Q2 2003 | Q3 2003 | Q4 2003 | Q1 2004 | Q2 2004 | Q3 2004 | Q4 2004 | Q1 2005 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.58% | -0.20% | -0.69% | -1.37% | -0.54% | -0.41% | -1.04% | -0.76% | +61 bps | |
| Return on Equity | -2.65% | -0.88% | -2.59% | -4.82% | -1.84% | -1.36% | -3.47% | -2.46% | +236 bps | |
| Net Interest Margin | 7.83% | 7.74% | 9.06% | 7.91% | 7.90% | 8.22% | 8.30% | 6.74% | -117 bps | |
| Efficiency Ratio | 107.39% | 102.57% | 107.57% | 117.31% | 106.80% | 104.95% | 112.52% | 111.31% | -600 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -10.80% | -10.44% | -22.95% | -26.53% | -26.75% | -26.43% | -14.44% | -10.84% | +1,569 bps | |
| Loan Growth (YoY) | -18.36% | -13.06% | -18.57% | -22.58% | -12.30% | -22.07% | -16.88% | -20.53% | +205 bps | |
| Share Growth (YoY) | -12.79% | -12.51% | -28.47% | -33.25% | -33.79% | -33.50% | -18.54% | -14.13% | +1,912 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 16.36% | 21.73% | 13.45% | 26.97% | 31.64% | 29.03% | 35.47% | 35.07% | +809 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 | 6.80% | 6.60% | 1.82% | 2.10% | 1.91% | 2.09% | 2.86% | 3.47% | +136 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 21.89% | 22.71% | 26.53% | 28.48% | 29.25% | 29.98% | 29.97% | 31.05% | +257 bps | |
| Net Worth / Assets | 21.89% | 22.71% | 26.53% | 28.48% | 29.25% | 29.98% | 29.97% | 31.05% | +257 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 100.32% | 107.67% | 120.85% | 116.56% | 132.87% | 126.17% | 123.31% | 107.88% | -868 bps | |
| Liquid Assets / Assets | 15.69% | 19.45% | 8.61% | 6.69% | 4.87% | 5.01% | 5.52% | 5.78% | -91 bps | |