Aviston, IL · Cert 10881
FDIC
Q3 2006
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2006, the quarter ended September 30, 2006, 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.
Aviston, IL · Cert 10881
FDIC
Q3 2006
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 2004 | Q1 2005 | Q2 2005 | Q3 2005 | Q4 2005 | Q1 2006 | Q2 2006 | Q3 2006 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.97% | 1.01% | 0.92% | 0.93% | 0.94% | 0.74% | 0.84% | 0.88% | -5 bps | |
| Return on Equity | 10.00% | 10.23% | 9.37% | 9.41% | 9.62% | 7.97% | 8.96% | 9.37% | -4 bps | |
| Net Interest Margin | 3.28% | 3.33% | 3.30% | 3.14% | 3.24% | 3.25% | 3.18% | 3.09% | -6 bps | |
| Efficiency Ratio | 61.77% | 63.26% | 66.19% | 67.11% | 67.18% | 72.61% | 70.43% | 68.27% | +117 bps | |
| Non-Interest Burden | 1.69% | 1.81% | 1.88% | 1.80% | 1.87% | 2.14% | 1.91% | 1.73% | -7 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -0.43% | -1.67% | -0.34% | 8.07% | 5.05% | 3.27% | 4.16% | -3.54% | -1,161 bps | |
| Loan Growth (YoY) | -1.95% | -2.14% | -5.62% | 0.44% | 3.88% | 2.42% | 5.66% | 0.34% | -10 bps | |
| Deposit Growth (YoY) | 2.21% | -8.22% | -2.83% | 5.25% | 0.72% | 5.90% | -5.00% | -9.44% | -1,468 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 | 0.79% | -0.11% | 0.24% | 0.45% | 0.43% | 0.12% | 0.15% | 0.13% | -31 bps | |
| Allowance / Loans | 1.29% | 1.38% | 1.31% | 1.11% | 1.02% | 1.02% | 0.97% | 0.98% | -13 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 | 12.57% | 12.50% | 12.50% | 12.82% | 11.56% | 11.86% | 11.87% | 12.08% | -74 bps | |
| Equity / Assets | 9.90% | 9.92% | 9.78% | 9.96% | 9.19% | 9.47% | 9.37% | 9.76% | -20 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 84.01% | 91.01% | 86.00% | 83.63% | 86.64% | 88.01% | 95.64% | 92.66% | +903 bps | |
| Liquid Assets / Assets | 0.43% | 0.64% | 1.00% | 0.37% | 0.74% | 0.31% | 0.53% | 0.30% | -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 |