Cropsey, IL · Cert 10430
FDIC
Q3 2010
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q4 2008 | Q1 2009 | Q2 2009 | Q3 2009 | Q4 2009 | Q1 2010 | Q2 2010 | Q3 2010 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.66% | 0.44% | 0.63% | 0.71% | -1.56% | -0.88% | -6.15% | 1.09% | +37 bps | |
| Return on Equity | 8.81% | 5.75% | 8.46% | 9.49% | -22.38% | -13.57% | -103.70% | 20.41% | +1,092 bps | |
| Net Interest Margin | 2.91% | 3.33% | 3.71% | 3.57% | 3.27% | 3.21% | 3.14% | 3.21% | -36 bps | |
| Efficiency Ratio | 78.93% | 78.90% | 74.41% | 69.77% | 70.21% | 113.87% | 87.01% | 68.27% | -151 bps | |
| Non-Interest Burden | 2.24% | 2.57% | 2.63% | 2.40% | 2.24% | 3.69% | 2.72% | 2.12% | -28 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 23.57% | 11.38% | 13.13% | 23.19% | 26.58% | 15.82% | 7.37% | 3.14% | -2,005 bps | |
| Loan Growth (YoY) | 28.40% | 26.57% | 27.95% | 20.36% | 11.81% | 10.56% | -3.51% | -6.77% | -2,714 bps | |
| Deposit Growth (YoY) | 23.46% | 8.39% | 9.26% | 22.76% | 29.66% | 17.06% | 10.38% | 6.56% | -1,619 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 | 0.18% | 0.00% | 0.04% | 0.01% | 2.99% | 0.04% | 8.08% | 0.09% | +8 bps | |
| Allowance / Loans | 0.80% | 0.80% | 0.79% | 0.80% | 0.84% | 0.87% | 1.32% | 1.34% | +54 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 | 10.08% | 10.02% | 9.72% | 10.12% | 9.22% | 9.13% | 8.35% | 8.62% | -150 bps | |
| Equity / Assets | 7.76% | 7.58% | 7.43% | 7.58% | 6.41% | 6.55% | 5.28% | 5.35% | -223 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 93.64% | 93.87% | 95.11% | 88.36% | 80.75% | 88.66% | 83.14% | 77.30% | -1,106 bps | |
| Liquid Assets / Assets | 1.36% | 1.32% | 1.79% | 1.40% | 0.86% | 0.68% | 5.20% | 5.49% | +410 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |