Red Bud, IL · Cert 11704
FDIC
Q4 2011
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2011, the quarter ended December 31, 2011, 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.
Red Bud, IL · Cert 11704
FDIC
Q4 2011
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 | Q1 2010 | Q2 2010 | Q3 2010 | Q4 2010 | Q1 2011 | Q2 2011 | Q3 2011 | Q4 2011 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.36% | -0.58% | -0.53% | -2.31% | 0.31% | 0.54% | 0.55% | 0.53% | +284 bps | |
| Return on Equity | -4.13% | -6.59% | -6.01% | -24.88% | 2.79% | 4.74% | 4.75% | 4.52% | +2,940 bps | |
| Net Interest Margin | 2.43% | 2.42% | 2.32% | 2.28% | 2.72% | 2.67% | 2.76% | 2.84% | +57 bps | |
| Efficiency Ratio | 110.37% | 97.59% | 96.49% | 155.71% | 83.91% | 79.64% | 77.36% | 76.18% | -7,953 bps | |
| Non-Interest Burden | 2.70% | 2.36% | 2.23% | 3.14% | 2.24% | 2.07% | 2.07% | 2.09% | -105 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -17.57% | -13.78% | -2.66% | 5.13% | 5.19% | 8.73% | -0.66% | 0.39% | -474 bps | |
| Loan Growth (YoY) | -20.21% | -15.22% | -8.80% | -5.63% | -8.17% | -8.35% | -7.23% | -8.49% | -286 bps | |
| Deposit Growth (YoY) | -13.87% | -10.52% | 0.89% | 5.73% | 6.51% | 6.90% | -2.34% | -0.90% | -663 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 | 1.34% | 4.35% | 5.51% | 4.75% | -0.27% | 0.10% | 0.22% | 0.48% | -427 bps | |
| Allowance / Loans | 4.70% | 4.04% | 2.78% | 6.26% | 6.64% | 6.62% | 6.56% | 6.36% | +10 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 | 12.90% | 11.70% | 11.44% | 17.18% | 17.72% | 18.90% | 20.23% | 20.14% | +297 bps | |
| Equity / Assets | 9.11% | 9.07% | 8.67% | 11.21% | 11.20% | 11.66% | 12.68% | 12.43% | +123 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 57.04% | 55.95% | 52.87% | 51.95% | 49.17% | 47.97% | 50.22% | 47.97% | -398 bps | |
| Liquid Assets / Assets | 0.31% | 0.27% | 0.53% | 0.54% | 0.67% | 2.10% | 0.47% | 0.43% | -11 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |