Dekalb, IL · Cert 13908
FDIC
Q2 2010
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2008 | Q4 2008 | Q1 2009 | Q2 2009 | Q3 2009 | Q4 2009 | Q1 2010 | Q2 2010 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.38% | -1.24% | 0.49%1 | -0.30% | -1.85% | -0.15% | 0.23%1 | -0.32% | -3 bps | |
| Return on Equity | -2.57% | -8.05% | 3.11% | -1.83% | -11.26% | -0.91% | 1.37% | -1.88% | -5 bps | |
| Net Interest Margin | 2.97% | 3.01% | 2.89% | 2.93% | 3.36% | 3.37% | 3.27% | 3.42% | +49 bps | |
| Efficiency Ratio | 70.38% | 72.39% | 74.07% | 81.31% | 69.10% | 73.53% | 79.54% | 77.33% | -398 bps | |
| Non-Interest Burden | 1.91% | 2.03% | 1.99% | 2.34% | 2.11% | 2.34% | 2.62% | 2.62% | +28 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 | 2.79% | 4.45% | 1.20% | 2.33% | 3.38% | 2.40% | 3.50% | 2.36% | +2 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 |