Elkville, IL · Cert 10810
FDIC
Q1 2013
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2013, the quarter ended March 31, 2013, 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.
Elkville, IL · Cert 10810
FDIC
Q1 2013
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 | Q2 2011 | Q3 2011 | Q4 2011 | Q1 2012 | Q2 2012 | Q3 2012 | Q4 2012 | Q1 2013 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.91% | 0.89% | 0.41% | 0.79% | 0.95% | 0.98% | 0.51% | 0.35% | -44 bps | |
| Return on Equity | 5.77% | 5.66% | 2.60% | 4.70% | 5.54% | 5.57% | 2.90% | 2.03% | -268 bps | |
| Net Interest Margin | 1.77% | 1.86% | 1.91% | 2.05% | 2.05% | 2.10% | 2.10% | 1.96% | -9 bps | |
| Efficiency Ratio | 62.71% | 61.04% | 82.83% | 65.38% | 60.46% | 58.06% | 77.99% | 81.51% | +1,613 bps | |
| Non-Interest Burden | 1.02% | 1.04% | 1.54% | 1.27% | 1.15% | 1.11% | 1.58% | 1.56% | +29 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 10.40% | 10.17% | 3.95% | 0.99% | -4.41% | -11.29% | 1.54% | 2.88% | +188 bps | |
| Loan Growth (YoY) | 5.68% | 2.44% | 1.49% | -0.66% | -5.00% | -0.84% | -7.17% | -8.29% | -763 bps | |
| Deposit Growth (YoY) | 12.66% | 12.93% | 1.96% | -1.01% | -7.96% | -15.29% | 1.10% | 2.44% | +345 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 | -0.35% | -0.29% | -0.22% | 0.00% | -0.07% | -0.05% | 0.52% | 0.00% | 0 bps | |
| Allowance / Loans | 2.22% | 2.38% | 2.39% | 2.40% | 2.41% | 2.44% | 2.06% | 2.09% | -31 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 | 41.88% | 42.45% | 42.55% | 41.56% | 43.70% | 41.64% | 38.86% | 39.44% | -212 bps | |
| Equity / Assets | 16.25% | 15.89% | 16.53% | 17.07% | 17.97% | 19.19% | 16.85% | 17.26% | +18 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 14.35% | 13.06% | 13.57% | 14.03% | 14.81% | 15.29% | 12.46% | 12.56% | -147 bps | |
| Liquid Assets / Assets | 4.57% | 7.83% | 9.11% | 11.52% | 14.77% | 14.93% | 13.45% | 13.69% | +217 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |