Berkeley, IL · Cert 19733
FDIC
Q4 2008
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2008, the quarter ended December 31, 2008, 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.
Berkeley, IL · Cert 19733
FDIC
Q4 2008
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 2007 | Q2 2007 | Q3 2007 | Q4 2007 | Q1 2008 | Q2 2008 | Q3 2008 | Q4 2008 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.58% | 1.48% | 1.46% | 1.31% | 1.60% | 1.48% | -16.24% | -13.49% | -1,479 bps | |
| Return on Equity | 13.53% | 12.85% | 13.02% | 11.83% | 15.58% | 14.94% | -213% | -214% | -22,570 bps | |
| Net Interest Margin | 3.25% | 3.23% | 3.25% | 3.20% | 3.25% | 3.33% | 3.00% | 2.36% | -84 bps | |
| Efficiency Ratio | 55.91% | 54.26% | 52.44% | 54.26% | 54.62% | 54.10% | 51.80% | 67.24% | +1,297 bps | |
| Non-Interest Burden | 1.71% | 1.66% | 1.61% | 1.65% | 1.66% | 1.69% | 1.44% | 1.51% | -13 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 4.38% | 10.96% | 14.25% | 6.11% | 2.78% | 8.48% | 7.50% | -0.67% | -678 bps | |
| Loan Growth (YoY) | 12.40% | 18.86% | 19.98% | 14.74% | 10.88% | 4.56% | -1.90% | -0.91% | -1,564 bps | |
| Deposit Growth (YoY) | 5.95% | 13.44% | 14.93% | 11.08% | 13.86% | 7.55% | 30.30% | 14.11% | +303 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 | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Allowance / Loans | 1.40% | 1.33% | 1.35% | 1.68% | 1.76% | 1.79% | 1.92% | 1.95% | +27 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 | 16.65% | 15.20% | 14.15% | 13.54% | 13.39% | 12.70% | -15.59% | -16.53% | -3,007 bps | |
| Equity / Assets | 11.97% | 11.16% | 10.47% | 10.29% | 10.27% | 9.21% | 1.24% | 0.84% | -946 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 71.63% | 71.72% | 72.42% | 68.36% | 69.76% | 69.72% | 54.53% | 59.36% | -900 bps | |
| Liquid Assets / Assets | 0.12% | 0.12% | 0.12% | 0.00% | 0.00% | 0.00% | 0.00% | 0.48% | +48 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |