Lansing, IL · Cert 16280
FDIC
Q1 2013
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2013, the quarter ended March 31, 2013, 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.
Lansing, IL · Cert 16280
FDIC
Q1 2013
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 | Q2 2011 | Q3 2011 | Q4 2011 | Q1 2012 | Q2 2012 | Q3 2012 | Q4 2012 | Q1 2013 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.18% | -0.06% | 0.12% | 0.27% | 0.19% | 0.21% | 0.23% | 0.36% | +9 bps | |
| Return on Equity | -2.03% | -0.70% | 1.22% | 2.48% | 1.71% | 1.92% | 2.12% | 3.20% | +71 bps | |
| Net Interest Margin | 3.12% | 3.19% | 3.15% | 3.02% | 3.11% | 3.08% | 3.14% | 3.00% | -2 bps | |
| Efficiency Ratio | 78.34% | 73.12% | 73.45% | 83.24% | 87.91% | 83.81% | 85.69% | 82.92% | -31 bps | |
| Non-Interest Burden | 2.34% | 2.19% | 2.16% | 2.40% | 2.73% | 2.54% | 2.65% | 2.35% | -5 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -5.81% | -8.92% | -3.12% | -1.45% | -2.40% | -1.40% | -2.13% | -1.78% | -33 bps | |
| Loan Growth (YoY) | -11.94% | -15.45% | -15.68% | -16.01% | -16.56% | -11.76% | -15.78% | -17.22% | -121 bps | |
| Deposit Growth (YoY) | -4.98% | -8.42% | -3.04% | -3.17% | -4.06% | -2.63% | -2.77% | -2.57% | +60 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 | 2.31% | 2.89% | 2.43% | 0.56% | 0.61% | 0.93% | 0.88% | 0.57% | 0 bps | |
| Allowance / Loans | 2.79% | 2.74% | 2.31% | 2.35% | 2.46% | 2.41% | 2.30% | 2.34% | -1 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 | 12.55% | 13.89% | 15.91% | 16.10% | 16.83% | 16.92% | 17.76% | 18.63% | +253 bps | |
| Equity / Assets | 9.19% | 9.72% | 10.83% | 10.78% | 11.01% | 11.21% | 11.39% | 11.27% | +49 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 57.66% | 55.14% | 54.79% | 53.13% | 50.16% | 49.97% | 47.46% | 45.14% | -799 bps | |
| Liquid Assets / Assets | 4.83% | 6.56% | 4.99% | 8.61% | 11.01% | 5.24% | 8.32% | 14.77% | +617 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |