Charleston, IL · Cert 21164
FDIC
Q3 2007
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2007, the quarter ended September 30, 2007, 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.
Charleston, IL · Cert 21164
FDIC
Q3 2007
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 | Q4 2005 | Q1 2006 | Q2 2006 | Q3 2006 | Q4 2006 | Q1 2007 | Q2 2007 | Q3 2007 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.42% | 1.24% | 1.35% | 1.31% | 1.34% | 1.23% | 1.34% | 1.48% | +16 bps | |
| Return on Equity | 15.38% | 13.39% | 14.59% | 14.16% | 14.43% | 13.75% | 15.22% | 16.64% | +249 bps | |
| Net Interest Margin | 3.04% | 2.96% | 2.96% | 2.99% | 2.92% | 2.83% | 2.75% | 2.86% | -13 bps | |
| Efficiency Ratio | 60.50% | 63.58% | 61.74% | 60.84% | 60.07% | 60.13% | 58.66% | 56.44% | -440 bps | |
| Non-Interest Burden | 1.62% | 1.70% | 1.61% | 1.57% | 1.50% | 1.49% | 1.38% | 1.35% | -23 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 7.22% | 1.83% | 5.28% | 2.35% | 4.31% | 13.68% | 12.80% | 9.34% | +699 bps | |
| Loan Growth (YoY) | 9.67% | 5.89% | 8.41% | 11.56% | 7.94% | 4.61% | -6.29% | -10.19% | -2,175 bps | |
| Deposit Growth (YoY) | 6.90% | 5.97% | 7.16% | 1.84% | 3.75% | 14.36% | 13.33% | 9.74% | +791 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 | 0.03% | 0.01% | -0.02% | 0.12% | 0.13% | 0.14% | 0.08% | 0.06% | -6 bps | |
| Allowance / Loans | 0.83% | 0.80% | 0.77% | 0.75% | 0.77% | 0.77% | 0.82% | 0.84% | +9 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 | 14.77% | 14.77% | 14.56% | 14.21% | 14.75% | 14.31% | 15.24% | 15.93% | +172 bps | |
| Equity / Assets | 9.17% | 9.36% | 9.24% | 9.29% | 9.29% | 8.62% | 8.59% | 9.03% | -25 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 74.67% | 78.27% | 79.90% | 82.27% | 77.69% | 71.60% | 66.06% | 67.33% | -1,494 bps | |
| Liquid Assets / Assets | 25.42% | 24.28% | 21.06% | 19.80% | 19.05% | 17.69% | 23.18% | 22.43% | +263 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |