Glenwood, IL · Cert 20078
FDIC
Q4 2008
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q1 2007 | Q2 2007 | Q3 2007 | Q4 2007 | Q1 2008 | Q2 2008 | Q3 2008 | Q4 2008 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 2.50% | 2.91% | 2.35% | -1.94% | -0.69% | -15.66% | -7.70% | -8.62% | -669 bps | |
| Return on Equity | 26.94% | 31.06% | 25.33% | -21.12% | -7.79% | -216% | -159.03% | -277% | -25,553 bps | |
| Net Interest Margin | 4.90% | 5.29% | 4.68% | 3.26% | 3.16% | 2.82% | 2.73% | 1.95% | -131 bps | |
| Efficiency Ratio | 48.71% | 45.05% | 50.81% | 58.39% | 76.05% | 91.60% | 129.54% | 149.46% | +9,107 bps | |
| Non-Interest Burden | 2.16% | 2.15% | 2.17% | 1.73% | 2.30% | 2.55% | 3.66% | 3.15% | +142 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 7.83% | -0.33% | -3.30% | -5.08% | -6.97% | -15.55% | -26.43% | -21.20% | -1,611 bps | |
| Loan Growth (YoY) | 2.70% | -2.88% | -4.95% | -9.09% | -6.38% | -13.00% | -20.96% | -22.79% | -1,370 bps | |
| Deposit Growth (YoY) | 8.72% | 0.16% | -2.35% | -5.20% | -6.09% | -12.38% | -23.89% | -15.89% | -1,069 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 | -0.01% | 0.00% | 0.38% | 2.10% | 0.00% | 4.16% | 24.06% | 19.13% | +1,703 bps | |
| Allowance / Loans | 1.23% | 1.27% | 1.23% | 1.95% | 2.50% | 6.88% | 3.69% | 1.70% | -25 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 | 12.94% | 12.33% | 12.22% | 12.32% | 12.26% | 7.98% | 6.33% | 3.79% | -853 bps | |
| Equity / Assets | 9.53% | 9.18% | 9.39% | 8.94% | 8.87% | 5.40% | 4.19% | 2.07% | -687 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 83.71% | 87.14% | 88.21% | 84.94% | 83.45% | 86.52% | 91.61% | 77.97% | -697 bps | |
| Liquid Assets / Assets | 0.23% | 0.15% | 0.23% | 0.31% | 0.28% | 0.95% | 0.17% | 0.00% | -31 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |