Winchester, IL · Cert 11710
FDIC
Q2 2009
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2007 | Q4 2007 | Q1 2008 | Q2 2008 | Q3 2008 | Q4 2008 | Q1 2009 | Q2 2009 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.25% | 0.87% | 0.59% | -1.28% | 2.61% | -5.57% | -29.30% | -1.86% | -58 bps | |
| Return on Equity | 18.78% | 13.99% | 11.26% | -26.58% | 53.26% | -122.28% | -2029% | 88.22% | +11,480 bps | |
| Net Interest Margin | 3.89% | 3.83% | 3.38% | 3.50% | 3.99% | 3.18% | 2.98% | 3.08% | -42 bps | |
| Efficiency Ratio | 71.88% | 81.86% | 85.53% | 79.85% | 60.64% | 92.57% | 94.35% | 131.93% | +5,208 bps | |
| Non-Interest Burden | 2.63% | 2.99% | 2.81% | 2.66% | 1.83% | 2.90% | 2.77% | 4.37% | +171 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 | -0.06% | 0.04% | 0.54% | 0.32% | -0.02% | 3.18% | 0.38% | -0.20% | -52 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 |