Dwight, IL · Cert 10805
FDIC
Q2 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 | Q3 2008 | Q4 2008 | Q1 2009 | Q2 2009 | Q3 2009 | Q4 2009 | Q1 2010 | Q2 2010 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.85% | 0.25% | 0.76% | 0.53% | 0.50% | 0.46% | -1.20% | -0.43% | -95 bps | |
| Return on Equity | 7.92% | 2.32% | 7.19% | 5.08% | 4.82% | 4.56% | -12.64% | -4.52% | -960 bps | |
| Net Interest Margin | 3.10% | 3.04% | 2.99% | 2.84% | 2.72% | 2.72% | 3.04% | 3.02% | +17 bps | |
| Efficiency Ratio | 62.05% | 60.93% | 60.25% | 62.74% | 60.40% | 56.82% | 109.50% | 86.74% | +2,400 bps | |
| Non-Interest Burden | 1.83% | 1.75% | 1.69% | 1.68% | 1.54% | 1.45% | 3.35% | 2.59% | +90 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 | 0.12% | 1.76% | 1.18% | 1.06% | 0.83% | 1.22% | 4.64% | 2.67% | +161 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 |