Dekalb, IL · Cert 13908
FDIC
Q2 2010
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2010, the quarter ended June 30, 2010, 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.
Dekalb, IL · Cert 13908
FDIC
Q2 2010
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 2008 | Q4 2008 | Q1 2009 | Q2 2009 | Q3 2009 | Q4 2009 | Q1 2010 | Q2 2010 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.34% | -0.56% | 0.49%1 | 0.10%1 | -0.52% | -0.43% | 0.23%1 | -0.04% | -15 bps | |
| Return on Equity | -2.41% | -3.88% | 3.11% | 0.64% | -3.23% | -2.67% | 1.37% | -0.26% | -90 bps | |
| Net Interest Margin | 2.97% | 3.05% | 2.89% | 2.94% | 3.20% | 3.36% | 3.27% | 3.35% | +41 bps | |
| Efficiency Ratio | 71.66% | 71.84% | 74.07% | 77.63% | 74.67% | 74.39% | 79.54% | 78.40% | +77 bps | |
| Non-Interest Burden | 1.97% | 2.03% | 1.99% | 2.18% | 2.24% | 2.35% | 2.62% | 2.62% | +44 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 40.81% | -3.74% | -8.89% | -12.35% | -15.65% | -14.62% | -15.14% | -9.13% | +322 bps | |
| Loan Growth (YoY) | 31.95% | -4.58% | -9.94% | -17.20% | -19.60% | -22.50% | -23.31% | -19.92% | -272 bps | |
| Deposit Growth (YoY) | 33.56% | -3.56% | -10.78% | -13.91% | -16.70% | -15.61% | -16.99% | -9.29% | +462 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 | 1.32% | 2.12% | 1.20% | 1.82% | 2.44% | 2.53% | 3.50% | 2.99% | +117 bps | |
| Allowance / Loans | 1.85% | 1.88% | 1.95% | 1.98% | 3.01% | 3.11% | 2.74% | 2.88% | +90 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 | 13.08% | 13.10% | 13.67% | 14.53% | 13.94% | 14.74% | 15.02% | 15.47% | +94 bps | |
| Equity / Assets | 15.19% | 15.58% | 15.76% | 16.50% | 16.35% | 16.86% | 17.15% | 16.88% | +39 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 83.63% | 85.90% | 83.26% | 81.61% | 80.71% | 78.89% | 76.92% | 72.04% | -957 bps | |
| Liquid Assets / Assets | 5.14% | 6.00% | 6.15% | 11.76% | 8.70% | 0.56% | 0.02% | 2.92% | -884 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |