Galesburg, IL · Cert 19734
FDIC
Q3 2008
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q4 2006 | Q1 2007 | Q2 2007 | Q3 2007 | Q4 2007 | Q1 2008 | Q2 2008 | Q3 2008 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.44% | -0.28% | 0.33% | 1.69% | 0.36% | 0.66% | 0.64% | 0.81% | -88 bps | |
| Return on Equity | 3.95% | -2.61% | 3.17% | 16.36% | 3.43% | 6.21% | 5.80% | 6.70% | -966 bps | |
| Net Interest Margin | 2.66% | 2.44% | 2.71% | 2.86% | 2.67% | 2.69% | 2.84% | 3.44% | +58 bps | |
| Efficiency Ratio | 88.62% | 96.58% | 84.11% | 53.21% | 80.85% | 78.84% | 77.09% | 71.76% | +1,855 bps | |
| Non-Interest Burden | 2.31% | 2.34% | 2.20% | 0.49% | 2.08% | 2.02% | 2.07% | 2.32% | +183 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 1.56% | 8.18% | 4.13% | 14.24% | 12.78% | 8.54% | 1.07% | -12.64% | -2,688 bps | |
| Loan Growth (YoY) | -1.44% | -0.62% | 12.77% | 24.49% | 33.97% | 34.66% | 16.32% | -1.76% | -2,625 bps | |
| Deposit Growth (YoY) | 1.56% | 11.52% | 8.13% | 17.00% | 14.95% | 7.60% | -1.56% | -13.07% | -3,007 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% | 0.11% | 0.73% | 0.00% | 0.62% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Allowance / Loans | 0.65% | 0.63% | 0.45% | 0.47% | 0.31% | 0.36% | 0.39% | 0.43% | -4 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 | 20.83% | 20.64% | 18.90% | 18.26% | 16.53% | 16.95% | 17.90% | 19.68% | +142 bps | |
| Equity / Assets | 11.11% | 10.68% | 10.18% | 10.45% | 10.50% | 10.71% | 11.36% | 12.95% | +250 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 66.31% | 60.89% | 66.38% | 69.86% | 77.28% | 76.20% | 78.44% | 78.95% | +909 bps | |
| Liquid Assets / Assets | 0.01% | 0.01% | 0.01% | 0.01% | 0.01% | 0.01% | 0.01% | 0.01% | 0 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |