Oregon, IL · Cert 15302
FDIC
Q2 2009
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2007 | Q4 2007 | Q1 2008 | Q2 2008 | Q3 2008 | Q4 2008 | Q1 2009 | Q2 2009 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.91% | 0.81% | 1.23% | 1.21% | 1.68% | -7.26% | -24.67% | -3.67% | -487 bps | |
| Return on Equity | 13.64% | 11.83% | 19.31% | 19.28% | 26.91% | -128.82% | -846% | -2245% | -226,444 bps | |
| Net Interest Margin | 3.76% | 3.84% | 3.81% | 3.84% | 3.85% | 3.21% | 2.97% | 2.48% | -136 bps | |
| Efficiency Ratio | 64.45% | 72.56% | 56.77% | 58.19% | 51.42% | 85.77% | 83.84% | 147.65% | +8,946 bps | |
| Non-Interest Burden | 2.24% | 2.62% | 1.98% | 2.02% | 1.46% | 2.74% | 2.38% | 3.94% | +192 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 22.67% | 17.82% | 31.47% | -5.74% | 1.20% | -11.42% | -19.29% | -15.41% | -967 bps | |
| Loan Growth (YoY) | 36.33% | 33.34% | 26.77% | 17.87% | 7.76% | 1.62% | -11.58% | -11.94% | -2,980 bps | |
| Deposit Growth (YoY) | 24.93% | 9.82% | 22.21% | -12.22% | -5.91% | 10.21% | 16.26% | 9.74% | +2,195 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 | -0.05% | -0.02% | -0.01% | -0.03% | 1.72% | 6.66% | 0.01% | 0.32% | +35 bps | |
| Allowance / Loans | 0.83% | 0.80% | 0.75% | 0.76% | 0.36% | 1.43% | 3.28% | 3.46% | +270 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 | 10.56% | 10.25% | 10.32% | 10.61% | 11.04% | 10.46% | 1.74% | 0.00% | -1,061 bps | |
| Equity / Assets | 7.08% | 6.56% | 6.24% | 6.26% | 6.19% | 5.00% | 0.83% | -0.52% | -678 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 72.47% | 88.31% | 87.47% | 82.52% | 83.00% | 81.43% | 66.52% | 66.22% | -1,630 bps | |
| Liquid Assets / Assets | 0.01% | 0.01% | 0.01% | 0.00% | 0.00% | 0.00% | 0.00% | 5.06% | +505 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |