Maroa, IL · Cert 17032
FDIC
Q2 2011
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 2009 | Q4 2009 | Q1 2010 | Q2 2010 | Q3 2010 | Q4 2010 | Q1 2011 | Q2 2011 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.55% | 1.19% | 0.81% | 0.64% | 0.20% | 0.45% | 0.53% | -0.15% | -79 bps | |
| Return on Equity | 10.70% | 8.31% | 5.63% | 4.45% | 1.41% | 3.24% | 3.77% | -1.05% | -550 bps | |
| Net Interest Margin | 4.18% | 3.89% | 4.00% | 4.04% | 3.41% | 3.63% | 3.55% | 3.52% | -52 bps | |
| Efficiency Ratio | 67.41% | 70.34% | 86.04% | 80.49% | 88.23% | 85.22% | 88.66% | 90.89% | +1,040 bps | |
| Non-Interest Burden | 2.29% | 2.31% | 3.29% | 3.04% | 2.90% | 2.93% | 3.03% | 3.11% | +7 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 5.53% | 5.16% | 0.66% | 3.72% | 0.10% | -4.96% | 4.68% | -4.84% | -857 bps | |
| Loan Growth (YoY) | 0.08% | -0.37% | -0.12% | -1.65% | 5.89% | 3.89% | -2.73% | -3.96% | -231 bps | |
| Deposit Growth (YoY) | 8.71% | 12.55% | 1.97% | 3.97% | 0.43% | -6.25% | 5.76% | -5.07% | -903 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 | 0.99% | 0.70% | -0.14% | 1.45% | 0.85% | 0.60% | 0.19% | 0.10% | -135 bps | |
| Allowance / Loans | 0.72% | 0.97% | 1.07% | 0.83% | 1.02% | 0.96% | 1.04% | 2.66% | +183 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 | 22.64% | 22.23% | 24.25% | 23.26% | 17.90% | 17.87% | 19.51% | 20.18% | -308 bps | |
| Equity / Assets | 12.85% | 13.66% | 15.03% | 14.25% | 12.68% | 14.11% | 14.16% | 14.45% | +20 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 43.14% | 51.30% | 53.22% | 48.58% | 45.49% | 56.85% | 48.95% | 49.15% | +57 bps | |
| Liquid Assets / Assets | 0.04% | 0.05% | 0.05% | 2.47% | 3.09% | 0.05% | 10.51% | 6.38% | +391 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |