Peoria Heights, IL · Cert 20930
FDIC
Q4 2010
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 2009 | Q2 2009 | Q3 2009 | Q4 2009 | Q1 2010 | Q2 2010 | Q3 2010 | Q4 2010 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.54% | 1.79% | 1.86% | 1.61% | 1.44% | 1.59% | 1.82% | 2.00% | +39 bps | |
| Return on Equity | 15.94% | 18.70% | 19.40% | 16.84% | 15.21% | 16.49% | 18.43% | 19.86% | +302 bps | |
| Net Interest Margin | 3.48% | 3.75% | 3.72% | 3.70% | 3.35% | 3.51% | 3.76% | 4.06% | +36 bps | |
| Efficiency Ratio | 60.24% | 55.85% | 55.40% | 61.21% | 58.46% | 57.49% | 54.13% | 52.32% | -889 bps | |
| Non-Interest Burden | 1.90% | 1.89% | 1.86% | 2.09% | 1.83% | 1.88% | 1.87% | 1.94% | -15 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% | 0.02% | -0.01% | -0.01% | 0.00% | 0.00% | -2 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 |