Peotone, IL · Cert 10888
FDIC
Q1 2010
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2010, the quarter ended March 31, 2010, 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.
Peotone, IL · Cert 10888
FDIC
Q1 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 | Q2 2008 | Q3 2008 | Q4 2008 | Q1 2009 | Q2 2009 | Q3 2009 | Q4 2009 | Q1 2010 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.26% | 1.39% | 0.62% | -6.86% | -5.06% | -3.06% | -6.76% | -2.05% | +481 bps | |
| Return on Equity | 16.85% | 18.72% | 8.51% | -108.70% | -86.03% | -53.24% | -139.89% | -416% | -30,730 bps | |
| Net Interest Margin | 3.47% | 3.44% | 3.35% | 3.42% | 3.01% | 2.97% | 2.69% | 2.34% | -108 bps | |
| Efficiency Ratio | 67.57% | 66.69% | 70.29% | 73.68% | 88.44% | 93.22% | 114.62% | 159.66% | +8,598 bps | |
| Non-Interest Burden | 1.93% | 1.85% | 1.98% | 2.26% | 2.53% | 2.69% | 3.21% | 4.37% | +212 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 7.49% | 8.21% | 6.25% | 1.70% | 4.31% | -4.02% | -12.63% | -13.58% | -1,528 bps | |
| Loan Growth (YoY) | 1.36% | 3.86% | 1.26% | 4.63% | 0.29% | -2.84% | -14.90% | -18.70% | -2,333 bps | |
| Deposit Growth (YoY) | -6.53% | 7.85% | 11.55% | -0.71% | 25.20% | 6.18% | 3.38% | 12.80% | +1,351 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 | 0.41% | 0.31% | 0.84% | 0.20% | 0.36% | 0.25% | 4.21% | 0.07% | -12 bps | |
| Allowance / Loans | 0.84% | 0.83% | 1.07% | 1.96% | 1.96% | 1.99% | 4.07% | 4.28% | +233 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 | 11.10% | 10.98% | 10.32% | 7.67% | 7.45% | 8.13% | 1.59% | 0.10% | -757 bps | |
| Equity / Assets | 7.21% | 7.26% | 6.81% | 5.82% | 5.01% | 5.32% | 0.75% | 0.23% | -558 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 90.56% | 84.26% | 85.85% | 94.55% | 72.55% | 77.10% | 70.67% | 68.15% | -2,640 bps | |
| Liquid Assets / Assets | 0.02% | 0.02% | 0.02% | 0.41% | 5.45% | 7.86% | 11.48% | 13.10% | +1,269 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |