Cropsey, IL · Cert 10430
FDIC
Q3 2010
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q4 2008 | Q1 2009 | Q2 2009 | Q3 2009 | Q4 2009 | Q1 2010 | Q2 2010 | Q3 2010 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.40% | 0.44% | 0.54% | 0.60% | 0.00% | -0.88% | -3.44% | -1.94% | -254 bps | |
| Return on Equity | 5.24% | 5.75% | 7.11% | 7.87% | 0.03% | -13.57% | -56.48% | -32.81% | -4,068 bps | |
| Net Interest Margin | 2.82% | 3.33% | 3.52% | 3.26% | 3.06% | 3.21% | 3.25% | 3.20% | -6 bps | |
| Efficiency Ratio | 82.31% | 78.90% | 76.48% | 74.07% | 73.07% | 113.87% | 100.95% | 89.92% | +1,584 bps | |
| Non-Interest Burden | 2.27% | 2.57% | 2.60% | 2.33% | 2.16% | 3.69% | 3.28% | 2.86% | +53 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 | 0.07% | 0.00% | 0.02% | 0.02% | 0.76% | 0.04% | 4.06% | 2.76% | +275 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 |