Beardstown, IL · Cert 12547
FDIC
Q3 2009
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2009, the quarter ended September 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.
Beardstown, IL · Cert 12547
FDIC
Q3 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 | Q4 2007 | Q1 2008 | Q2 2008 | Q3 2008 | Q4 2008 | Q1 2009 | Q2 2009 | Q3 2009 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.75% | 1.77% | 1.41% | 1.24% | 1.10% | 1.02% | 0.84% | 0.52% | -72 bps | |
| Return on Equity | 6.59% | 15.85% | 13.08% | 11.70% | 10.71% | 9.94% | 8.04% | 4.84% | -687 bps | |
| Net Interest Margin | 3.65% | 3.78% | 3.57% | 3.36% | 3.27% | 3.07% | 3.02% | 3.04% | -32 bps | |
| Efficiency Ratio | 77.76% | 74.96% | 75.62% | 76.77% | 78.71% | 79.24% | 85.37% | 90.37% | +1,360 bps | |
| Non-Interest Burden | 2.64% | 2.60% | 2.45% | 2.31% | 2.32% | 2.23% | 2.42% | 2.64% | +33 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 8.94% | 15.91% | 15.77% | 16.09% | 10.96% | 4.16% | 3.43% | -0.25% | -1,634 bps | |
| Loan Growth (YoY) | 7.41% | 6.12% | -0.06% | 1.37% | -6.04% | -7.94% | -10.12% | -10.18% | -1,155 bps | |
| Deposit Growth (YoY) | 15.22% | 16.36% | 22.37% | 22.94% | 20.05% | 10.60% | 8.65% | 3.72% | -1,923 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 | -0.11% | 0.42% | 0.26% | 0.25% | 0.26% | 0.10% | 0.51% | 0.45% | +21 bps | |
| Allowance / Loans | 1.76% | 1.75% | 1.75% | 1.71% | 1.97% | 2.16% | 2.05% | 1.97% | +27 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 | 20.33% | 19.18% | 22.12% | 21.46% | 17.38% | 17.52% | 17.36% | 16.58% | -488 bps | |
| Equity / Assets | 11.06% | 11.21% | 9.99% | 10.07% | 8.94% | 11.50% | 11.08% | 11.25% | +118 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 72.63% | 64.65% | 63.03% | 60.80% | 56.84% | 53.81% | 52.15% | 52.65% | -814 bps | |
| Liquid Assets / Assets | 1.25% | 2.10% | 1.52% | 2.10% | 6.72% | 13.83% | 7.01% | 4.16% | +205 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |