Beardstown, IL · Cert 12547
FDIC
Q3 2009
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q4 2007 | Q1 2008 | Q2 2008 | Q3 2008 | Q4 2008 | Q1 2009 | Q2 2009 | Q3 2009 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.18% | 1.77% | 1.05% | 0.92% | 0.68% | 1.02% | 0.67% | -0.13% | -106 bps | |
| Return on Equity | -1.63% | 15.85% | 9.87% | 9.21% | 7.14% | 9.94% | 5.97% | -1.20% | -1,041 bps | |
| Net Interest Margin | 3.86% | 3.78% | 3.42% | 3.27% | 3.17% | 3.07% | 2.95% | 3.05% | -22 bps | |
| Efficiency Ratio | 74.96% | 74.96% | 76.30% | 78.86% | 84.43% | 79.24% | 91.51% | 100.34% | +2,148 bps | |
| Non-Interest Burden | 2.66% | 2.60% | 2.35% | 2.25% | 2.47% | 2.23% | 2.60% | 3.06% | +81 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 | 0.00% | 0.42% | 0.11% | 0.22% | 0.27% | 0.10% | 0.92% | 0.36% | +14 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 |