Crete, IL · Cert 20685
FDIC
Q2 2012
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2012, the quarter ended June 30, 2012, 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.
Crete, IL · Cert 20685
FDIC
Q2 2012
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 2010 | Q4 2010 | Q1 2011 | Q2 2011 | Q3 2011 | Q4 2011 | Q1 2012 | Q2 2012 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -2.33% | -2.97% | -0.85% | -0.71% | -2.47% | -1.86% | -3.32% | -2.29% | -158 bps | |
| Return on Equity | -37.19% | -49.84% | -18.58% | -15.47% | -57.47% | -45.83% | -122.91% | -90.89% | -7,542 bps | |
| Net Interest Margin | 2.96% | 2.88% | 2.82% | 2.88% | 2.85% | 2.88% | 2.33% | 2.36% | -53 bps | |
| Efficiency Ratio | 89.82% | 98.95% | 85.91% | 86.24% | 102.55% | 101.32% | 113.10% | 115.98% | +2,974 bps | |
| Non-Interest Burden | 2.62% | 2.85% | 2.33% | 2.40% | 2.93% | 2.92% | 2.72% | 2.83% | +42 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -12.47% | -12.17% | -10.42% | -6.71% | -9.45% | -11.33% | -10.38% | -15.55% | -884 bps | |
| Loan Growth (YoY) | -19.04% | -20.33% | -21.78% | -14.28% | -17.09% | -17.11% | -18.96% | -22.33% | -805 bps | |
| Deposit Growth (YoY) | -10.05% | -7.30% | -4.81% | -1.69% | -4.24% | -7.65% | -6.33% | -11.72% | -1,003 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 | 1.85% | 1.48% | 1.07% | 2.45% | 5.86% | 4.66% | 1.28% | 1.16% | -129 bps | |
| Allowance / Loans | 4.52% | 6.53% | 7.16% | 6.91% | 6.67% | 7.74% | 9.39% | 10.26% | +335 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 | 9.52% | 8.24% | 8.41% | 8.34% | 6.14% | 6.67% | 5.40% | 5.08% | -326 bps | |
| Equity / Assets | 5.90% | 4.65% | 4.55% | 4.63% | 3.30% | 3.08% | 2.32% | 2.13% | -250 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 69.21% | 65.67% | 63.81% | 62.25% | 59.92% | 58.94% | 55.20% | 54.77% | -748 bps | |
| Liquid Assets / Assets | 6.48% | 7.59% | 5.93% | 7.61% | 6.48% | 18.81% | 16.69% | 13.45% | +584 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |