Winchester, IL · Cert 11710
FDIC
Q2 2009
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2009, the quarter ended June 30, 2009, 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.
Winchester, IL · Cert 11710
FDIC
Q2 2009
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 | Q3 2007 | Q4 2007 | Q1 2008 | Q2 2008 | Q3 2008 | Q4 2008 | Q1 2009 | Q2 2009 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.01% | 0.97% | 0.59% | -0.35% | 0.61% | -0.88% | -29.30% | -16.18% | -1,583 bps | |
| Return on Equity | 15.76% | 15.58% | 11.26% | -6.88% | 11.95% | -18.10% | -2029% | -11096% | -1,108,895 bps | |
| Net Interest Margin | 3.85% | 3.78% | 3.38% | 3.45% | 3.74% | 3.60% | 2.98% | 3.19% | -27 bps | |
| Efficiency Ratio | 76.36% | 77.81% | 85.53% | 82.63% | 74.04% | 78.03% | 94.35% | 113.02% | +3,040 bps | |
| Non-Interest Burden | 2.80% | 2.80% | 2.81% | 2.74% | 2.53% | 2.62% | 2.77% | 3.72% | +97 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 10.09% | -14.88% | 4.19% | -1.94% | -9.40% | -1.85% | -14.20% | -17.54% | -1,559 bps | |
| Loan Growth (YoY) | 14.60% | 4.98% | -3.71% | -6.92% | -2.96% | -0.80% | -2.56% | -10.60% | -368 bps | |
| Deposit Growth (YoY) | 8.42% | 5.63% | 13.14% | 6.00% | -4.90% | 0.65% | -8.46% | -11.03% | -1,703 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 | 0.19% | 0.15% | 0.54% | 0.43% | 0.28% | 1.00% | 0.38% | 0.11% | -32 bps | |
| Allowance / Loans | 1.28% | 1.27% | 1.18% | 1.13% | 1.10% | 1.27% | 6.59% | 7.36% | +623 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 | 10.56% | 10.60% | 10.58% | 10.24% | 11.07% | 9.29% | -1.54% | -2.14% | -1,238 bps | |
| Equity / Assets | 6.72% | 5.65% | 4.82% | 4.82% | 5.00% | 4.14% | -1.47% | -2.82% | -764 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 63.43% | 63.09% | 56.50% | 58.47% | 64.73% | 62.19% | 60.14% | 58.75% | +28 bps | |
| Liquid Assets / Assets | 0.03% | 0.03% | 0.03% | 0.03% | 0.03% | 0.03% | 0.03% | 0.04% | +1 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |