Erie, IL · Cert 16232
FDIC
Q4 2010
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q1 2009 | Q2 2009 | Q3 2009 | Q4 2009 | Q1 2010 | Q2 2010 | Q3 2010 | Q4 2010 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.53% | -0.87% | -0.44% | -1.58% | 0.61% | 0.09% | 0.04% | 0.47% | +205 bps | |
| Return on Equity | -4.46% | -7.49% | -3.71% | -13.53% | 5.29% | 0.72% | 0.36% | 3.78% | +1,731 bps | |
| Net Interest Margin | 1.64% | 1.37% | 1.47% | 1.94% | 2.89% | 2.55% | 2.49% | 3.02% | +108 bps | |
| Efficiency Ratio | 127.66% | 155.13% | 125.93% | 172.12% | 82.31% | 96.88% | 98.35% | 86.71% | -8,541 bps | |
| Non-Interest Burden | 2.17% | 2.22% | 1.91% | 3.51% | 2.34% | 2.47% | 2.44% | 2.56% | -94 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -2.22% | -2.74% | -3.77% | -2.89% | -5.02% | -4.96% | -7.55% | -3.43% | -54 bps | |
| Loan Growth (YoY) | -14.23% | -14.68% | -19.44% | 20.85% | 21.45% | 20.91% | 38.08% | 3.64% | -1,720 bps | |
| Deposit Growth (YoY) | -2.08% | -2.82% | -3.97% | -2.40% | -5.29% | -5.50% | -2.38% | 1.94% | +434 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% | 0.00% | 0.00% | 0.07% | 0.00% | 0.00% | 0.00% | 0.00% | -7 bps | |
| Allowance / Loans | 1.66% | 1.80% | 1.90% | 1.30% | 1.35% | 1.47% | 1.36% | 1.26% | -5 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 | 25.20% | 25.84% | 26.95% | 22.21% | 23.47% | 25.28% | 23.68% | 23.28% | +107 bps | |
| Equity / Assets | 11.63% | 11.65% | 11.88% | 11.52% | 11.66% | 11.92% | 12.62% | 12.23% | +72 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 58.89% | 55.66% | 54.36% | 78.38% | 75.51% | 71.22% | 76.90% | 79.68% | +131 bps | |
| Liquid Assets / Assets | 46.87% | 47.85% | 47.97% | 26.18% | 30.04% | 36.87% | 25.43% | 26.01% | -18 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |