Champaign, IL · Cert 10842
FDIC
Q3 2007
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2007, the quarter ended September 30, 2007, 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.
Champaign, IL · Cert 10842
FDIC
Q3 2007
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 2005 | Q1 2006 | Q2 2006 | Q3 2006 | Q4 2006 | Q1 2007 | Q2 2007 | Q3 2007 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.32% | 1.14% | 1.13% | 1.12% | 1.13% | 1.12% | 1.13% | 0.29% | -83 bps | |
| Return on Equity | 17.76% | 13.33% | 13.09% | 12.81% | 12.79% | 12.30% | 12.42% | 2.62% | -1,020 bps | |
| Net Interest Margin | 3.04% | 3.17% | 3.16% | 3.21% | 3.20% | 3.12% | 3.17% | 0.79% | -242 bps | |
| Efficiency Ratio | 54.73% | 52.81% | 53.46% | 54.17% | 54.12% | 54.51% | 54.65% | 46.23% | -794 bps | |
| Non-Interest Burden | 1.27% | 1.28% | 1.29% | 1.34% | 1.32% | 1.28% | 1.31% | 0.30% | -104 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 33.14% | 29.28% | 30.21% | 28.51% | -5.29% | -3.22% | -1.40% | 8.74% | -1,977 bps | |
| Loan Growth (YoY) | 31.54% | 25.76% | 22.97% | 24.59% | -1.44% | 3.53% | 2.49% | 2.01% | -2,259 bps | |
| Deposit Growth (YoY) | 29.66% | 27.88% | 31.54% | 30.63% | -3.12% | -0.79% | 4.35% | 1.60% | -2,903 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 | 0.11% | 0.13% | 0.10% | 0.08% | 0.08% | 0.52% | 0.42% | 0.02% | -6 bps | |
| Allowance / Loans | 1.32% | 1.39% | 1.40% | 1.43% | 1.44% | 1.36% | 1.32% | 1.28% | -14 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 | 11.27% | 11.75% | 11.81% | 11.60% | 11.56% | 11.56% | 11.36% | 12.22% | +62 bps | |
| Equity / Assets | 8.47% | 8.70% | 8.84% | 8.93% | 9.08% | 9.17% | 9.16% | 16.91% | +798 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 79.42% | 77.44% | 81.43% | 79.13% | 80.80% | 80.81% | 79.98% | 79.44% | +31 bps | |
| Liquid Assets / Assets | 5.37% | 5.44% | 5.21% | 4.89% | 4.81% | 4.14% | 3.99% | 0.01% | -488 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |