Dwight, IL · Cert 10805
FDIC
Q2 2010
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2008 | Q4 2008 | Q1 2009 | Q2 2009 | Q3 2009 | Q4 2009 | Q1 2010 | Q2 2010 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.93% | -1.56% | 0.76% | 0.31% | 0.44% | 0.37% | -1.20% | 0.34% | +4 bps | |
| Return on Equity | 8.46% | -14.49% | 7.19% | 2.96% | 4.38% | 3.77% | -12.64% | 3.67% | +71 bps | |
| Net Interest Margin | 3.25% | 3.07% | 2.99% | 2.82% | 2.78% | 3.03% | 3.04% | 3.03% | +20 bps | |
| Efficiency Ratio | 59.76% | 57.64% | 60.25% | 65.24% | 55.85% | 47.22% | 109.50% | 64.41% | -83 bps | |
| Non-Interest Burden | 1.84% | 1.65% | 1.69% | 1.74% | 1.44% | 1.34% | 3.35% | 1.85% | +11 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -3.03% | -0.31% | 0.98% | 8.74% | 17.66% | 17.32% | 14.36% | 10.95% | +221 bps | |
| Loan Growth (YoY) | 10.30% | -2.76% | -4.16% | -2.84% | 2.14% | 1.09% | 5.22% | 0.29% | +313 bps | |
| Deposit Growth (YoY) | -4.09% | 4.39% | 3.90% | 13.52% | 18.82% | 18.39% | 16.17% | 12.30% | -122 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 | 0.13% | 6.70% | 1.18% | 0.97% | 0.41% | 2.33% | 4.64% | 0.62% | -35 bps | |
| Allowance / Loans | 1.54% | 1.74% | 1.62% | 1.65% | 1.89% | 1.83% | 1.07% | 3.26% | +161 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 | 18.80% | 17.72% | 19.18% | 18.55% | 18.23% | 18.57% | 17.57% | 17.66% | -89 bps | |
| Equity / Assets | 11.18% | 10.37% | 10.81% | 10.10% | 9.96% | 9.43% | 9.49% | 9.30% | -80 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 66.25% | 61.15% | 61.69% | 59.69% | 56.95% | 52.21% | 55.88% | 53.30% | -638 bps | |
| Liquid Assets / Assets | 0.08% | 0.08% | 0.08% | 0.08% | 0.00% | 0.00% | 0.00% | 0.00% | -8 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |