Taylorville, IL · Cert 12103
FDIC
Q2 2011
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2011, the quarter ended June 30, 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.
Taylorville, IL · Cert 12103
FDIC
Q2 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 | Q3 2009 | Q4 2009 | Q1 2010 | Q2 2010 | Q3 2010 | Q4 2010 | Q1 2011 | Q2 2011 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.43% | 1.19% | 0.97% | 1.06% | 0.69% | 0.48% | 0.63% | 0.90% | -16 bps | |
| Return on Equity | 14.25% | 12.14% | 10.99% | 12.22% | 8.10% | 5.80% | 8.28% | 11.51% | -71 bps | |
| Net Interest Margin | 3.31% | 3.16% | 3.25% | 3.22% | 3.03% | 2.93% | 3.00% | 3.11% | -12 bps | |
| Efficiency Ratio | 54.59% | 60.19% | 59.70% | 54.69% | 56.59% | 57.75% | 61.59% | 57.64% | +295 bps | |
| Non-Interest Burden | 1.42% | 1.61% | 1.80% | 1.58% | 1.52% | 1.50% | 1.69% | 1.58% | 0 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 21.17% | 25.25% | 24.01% | 26.79% | 24.80% | 20.83% | 16.09% | 9.54% | -1,726 bps | |
| Loan Growth (YoY) | 13.83% | 10.27% | 17.68% | 19.62% | 10.75% | 6.02% | -0.91% | 1.52% | -1,810 bps | |
| Deposit Growth (YoY) | 24.86% | 30.41% | 24.73% | 28.48% | 26.24% | 23.19% | 18.43% | 10.68% | -1,780 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% | 0.05% | 0.15% | 0.08% | 0.16% | 1.56% | 0.00% | 0.03% | -5 bps | |
| Allowance / Loans | 0.76% | 0.83% | 0.76% | 0.84% | 1.44% | 1.00% | 1.24% | 1.19% | +35 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 | 10.85% | 10.51% | 10.14% | 10.01% | 10.27% | 10.05% | 10.82% | 11.21% | +120 bps | |
| Equity / Assets | 9.35% | 8.97% | 8.61% | 8.46% | 8.17% | 7.61% | 7.67% | 8.27% | -19 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 66.00% | 63.41% | 62.38% | 59.32% | 57.91% | 54.57% | 52.19% | 54.41% | -491 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |