Farmer City, IL · Cert 15855
FDIC
Q2 2012
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 2010 | Q4 2010 | Q1 2011 | Q2 2011 | Q3 2011 | Q4 2011 | Q1 2012 | Q2 2012 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.99% | 1.01% | 0.90% | 0.85% | 0.89% | 1.23% | 1.52% | 1.47% | +63 bps | |
| Return on Equity | 8.45% | 8.73% | 8.12% | 7.51% | 7.82% | 10.71% | 13.11% | 12.92% | +541 bps | |
| Net Interest Margin | 3.47% | 3.38% | 3.23% | 3.25% | 3.14% | 3.05% | 2.96% | 2.96% | -29 bps | |
| Efficiency Ratio | 75.91% | 73.26% | 71.49% | 70.27% | 70.43% | 68.02% | 64.07% | 64.02% | -624 bps | |
| Non-Interest Burden | 2.36% | 2.14% | 2.00% | 1.96% | 1.89% | 1.69% | 1.39% | 1.41% | -55 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -0.52% | 0.77% | 8.46% | 8.96% | 12.68% | 12.81% | 9.81% | 18.38% | +941 bps | |
| Loan Growth (YoY) | -26.28% | -27.70% | -26.92% | -22.00% | -22.08% | -18.59% | -22.22% | -21.23% | +77 bps | |
| Deposit Growth (YoY) | -1.82% | 1.52% | 9.87% | 10.12% | 14.90% | 12.49% | 9.34% | 19.33% | +921 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 | 0.48% | 0.58% | 4.23% | 3.51% | 2.94% | 2.17% | 1.82% | 0.99% | -252 bps | |
| Allowance / Loans | 2.07% | 2.38% | 2.01% | 1.89% | 2.21% | 2.23% | 2.36% | 2.37% | +48 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 | 21.31% | 21.94% | 24.30% | 25.74% | 26.49% | 26.71% | 30.16% | 31.38% | +563 bps | |
| Equity / Assets | 12.26% | 11.01% | 11.14% | 11.70% | 11.72% | 11.61% | 11.54% | 11.13% | -57 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 46.00% | 42.27% | 34.35% | 33.80% | 31.20% | 30.59% | 24.44% | 22.31% | -1,149 bps | |
| Liquid Assets / Assets | 2.25% | 2.09% | 1.98% | 1.95% | 2.02% | 1.79% | 2.43% | 2.21% | +25 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |