Herrin, IL · Cert 15486
FDIC
Q4 2006
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2006, the quarter ended December 31, 2006, 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.
Herrin, IL · Cert 15486
FDIC
Q4 2006
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 | Q1 2005 | Q2 2005 | Q3 2005 | Q4 2005 | Q1 2006 | Q2 2006 | Q3 2006 | Q4 2006 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.91% | 1.11% | 1.18% | 1.11% | 0.89% | 1.10% | 1.19% | 1.00% | -11 bps | |
| Return on Equity | 8.57% | 10.39% | 11.08% | 10.40% | 8.82% | 11.06% | 11.98% | 10.00% | -41 bps | |
| Net Interest Margin | 3.22% | 3.17% | 3.17% | 3.20% | 3.28% | 3.27% | 3.33% | 3.45% | +25 bps | |
| Efficiency Ratio | 66.56% | 59.38% | 56.79% | 59.77% | 66.47% | 59.50% | 57.00% | 63.55% | +378 bps | |
| Non-Interest Burden | 1.94% | 1.65% | 1.56% | 1.69% | 1.97% | 1.72% | 1.67% | 1.99% | +30 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -1.38% | -0.89% | -1.37% | 3.60% | 7.52% | 8.80% | 8.17% | 7.14% | +355 bps | |
| Loan Growth (YoY) | 1.09% | -1.07% | 6.99% | 11.93% | 20.98% | 23.76% | 26.36% | 19.64% | +772 bps | |
| Deposit Growth (YoY) | -0.91% | -1.27% | -1.47% | 2.25% | 8.25% | 9.92% | 8.62% | 9.52% | +727 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 | 0.04% | 0.02% | 0.04% | 0.03% | 0.00% | 0.01% | 0.01% | 0.06% | +2 bps | |
| Allowance / Loans | 0.61% | 0.60% | 0.56% | 0.54% | 0.54% | 0.52% | 0.49% | 0.44% | -11 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 | 19.45% | 19.71% | 19.84% | 19.32% | 16.83% | 16.77% | 16.85% | 16.63% | -269 bps | |
| Equity / Assets | 10.16% | 10.61% | 10.71% | 10.63% | 9.53% | 9.61% | 10.07% | 10.13% | -50 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 55.68% | 56.72% | 58.31% | 61.69% | 62.23% | 63.86% | 67.84% | 67.39% | +570 bps | |
| Liquid Assets / Assets | 6.28% | 6.26% | 0.50% | 0.49% | 0.48% | 0.40% | 0.28% | 0.27% | -22 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |