Augusta, IL · Cert 11696
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.
Augusta, IL · Cert 11696
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 | 0.92% | 0.54% | 0.88% | 1.01% | 1.06% | 0.72% | 1.01% | 1.08% | +7 bps | |
| Return on Equity | 12.07% | 7.13% | 11.38% | 12.90% | 13.64% | 9.18% | 13.32% | 14.75% | +185 bps | |
| Net Interest Margin | 3.29% | 3.67% | 3.78% | 3.84% | 3.73% | 3.91% | 4.04% | 3.90% | +6 bps | |
| Efficiency Ratio | 62.68% | 81.02% | 68.44% | 64.27% | 61.08% | 68.00% | 62.79% | 61.07% | -320 bps | |
| Non-Interest Burden | 1.94% | 2.90% | 2.46% | 2.31% | 2.10% | 2.52% | 2.33% | 2.18% | -13 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 0.41% | -3.47% | -2.82% | -0.98% | -7.43% | -6.17% | -7.47% | 0.91% | +189 bps | |
| Loan Growth (YoY) | 7.57% | 7.06% | 6.33% | -6.03% | -7.54% | -6.66% | -9.55% | -7.22% | -119 bps | |
| Deposit Growth (YoY) | -0.68% | -6.13% | -4.88% | -3.10% | -7.13% | -5.44% | -6.15% | 0.85% | +395 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 | 0.02% | -0.02% | -0.01% | -0.01% | 0.01% | 0.38% | 0.19% | 0.13% | +14 bps | |
| Allowance / Loans | 0.95% | 0.99% | 0.95% | 1.00% | 1.16% | 1.21% | 1.21% | 1.24% | +24 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 | 11.72% | 11.54% | 11.60% | 12.49% | 11.98% | 12.80% | 10.90% | 11.16% | -133 bps | |
| Equity / Assets | 7.67% | 7.57% | 7.92% | 8.13% | 7.55% | 8.19% | 6.94% | 6.72% | -141 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 69.70% | 74.48% | 77.03% | 75.66% | 69.39% | 73.52% | 74.24% | 69.61% | -605 bps | |
| Liquid Assets / Assets | 2.51% | 2.53% | 2.38% | 2.23% | 2.08% | 2.12% | 2.04% | 1.65% | -58 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |