Peoria Heights, IL · Cert 20930
FDIC
Q4 2010
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q1 2009 | Q2 2009 | Q3 2009 | Q4 2009 | Q1 2010 | Q2 2010 | Q3 2010 | Q4 2010 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.54% | 2.07% | 1.99% | 0.89% | 1.44% | 1.73% | 2.31% | 2.56% | +167 bps | |
| Return on Equity | 15.94% | 21.33% | 20.90% | 9.42% | 15.21% | 17.72% | 22.37% | 23.86% | +1,444 bps | |
| Net Interest Margin | 3.48% | 3.91% | 3.91% | 3.71% | 3.35% | 3.62% | 3.99% | 4.45% | +74 bps | |
| Efficiency Ratio | 60.24% | 51.69% | 54.55% | 78.48% | 58.46% | 56.57% | 48.03% | 47.52% | -3,095 bps | |
| Non-Interest Burden | 1.90% | 1.82% | 1.93% | 2.81% | 1.83% | 1.90% | 1.71% | 1.89% | -92 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -17.69% | -7.40% | -3.33% | 3.32% | 7.06% | 0.01% | -4.74% | -10.81% | -1,413 bps | |
| Loan Growth (YoY) | -10.59% | -1.95% | -4.35% | -5.88% | 0.11% | -2.25% | -1.36% | 6.87% | +1,275 bps | |
| Deposit Growth (YoY) | -19.12% | -11.56% | -6.85% | 0.79% | 5.36% | -0.57% | -3.81% | -10.98% | -1,177 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% | 0.06% | -0.01% | 0.00% | 0.00% | 0.00% | -6 bps | |
| Allowance / Loans | 2.19% | 2.11% | 2.12% | 2.22% | 2.17% | 2.15% | 2.14% | 2.08% | -14 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 | 18.63% | 17.97% | 18.41% | 19.35% | 19.95% | 19.87% | 20.75% | 19.67% | +32 bps | |
| Equity / Assets | 9.97% | 9.44% | 9.60% | 9.38% | 9.61% | 9.91% | 10.77% | 10.73% | +135 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 99.49% | 101.55% | 101.38% | 91.21% | 94.53% | 99.84% | 103.96% | 109.50% | +1,829 bps | |
| Liquid Assets / Assets | 18.19% | 14.65% | 12.00% | 21.81% | 21.45% | 19.80% | 15.18% | 11.20% | -1,061 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |