Prairie Du Rocher, IL · Cert 12117
FDIC
Q3 2012
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2012, the quarter ended September 30, 2012, 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.
Prairie Du Rocher, IL · Cert 12117
FDIC
Q3 2012
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 2010 | Q1 2011 | Q2 2011 | Q3 2011 | Q4 2011 | Q1 2012 | Q2 2012 | Q3 2012 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.24% | 1.31% | 1.32% | 1.35% | 1.24% | 0.81% | 1.00% | 1.09% | -26 bps | |
| Return on Equity | 15.30% | 17.05% | 17.24% | 17.63% | 16.17% | 10.86% | 13.53% | 15.10% | -252 bps | |
| Net Interest Margin | 3.29% | 3.16% | 3.07% | 3.12% | 3.04% | 2.92% | 2.79% | 2.82% | -31 bps | |
| Efficiency Ratio | 69.72% | 67.15% | 67.34% | 66.38% | 69.00% | 77.66% | 71.57% | 69.43% | +305 bps | |
| Non-Interest Burden | 2.09% | 1.87% | 1.81% | 1.80% | 1.85% | 2.11% | 1.80% | 1.73% | -7 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 12.40% | 17.39% | 14.46% | 14.64% | 13.21% | 10.29% | 12.90% | 11.37% | -326 bps | |
| Loan Growth (YoY) | 6.90% | 6.33% | 7.10% | 3.69% | 4.12% | 4.06% | 8.34% | 9.52% | +583 bps | |
| Deposit Growth (YoY) | 12.74% | 18.14% | 14.91% | 15.15% | 13.58% | 10.37% | 13.23% | 12.64% | -252 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% | 0.01% | 0.01% | 0.03% | 0.08% | 0.05% | 0.04% | 0.03% | 0 bps | |
| Allowance / Loans | 0.73% | 0.73% | 0.72% | 0.70% | 0.61% | 0.60% | 0.58% | 0.58% | -12 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 | 13.71% | 13.60% | 13.72% | 13.86% | 13.59% | 13.60% | 13.36% | 12.07% | -179 bps | |
| Equity / Assets | 7.96% | 7.44% | 7.57% | 7.69% | 7.61% | 7.29% | 7.22% | 6.66% | -103 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 72.62% | 65.59% | 65.89% | 66.82% | 66.57% | 61.84% | 63.05% | 64.97% | -185 bps | |
| Liquid Assets / Assets | 26.54% | 33.06% | 32.73% | 30.46% | 32.58% | 33.94% | 32.63% | 32.28% | +182 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |