Ashkum, IL · Cert 21982
FDIC
Q1 2010
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2010, the quarter ended March 31, 2010, 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.
Ashkum, IL · Cert 21982
FDIC
Q1 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 | Q2 2008 | Q3 2008 | Q4 2008 | Q1 2009 | Q2 2009 | Q3 2009 | Q4 2009 | Q1 2010 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.35% | 1.34% | 1.35% | 1.50% | 1.30% | 1.23% | 1.18% | 1.00% | -50 bps | |
| Return on Equity | 15.00% | 15.08% | 15.08% | 16.10% | 14.18% | 13.38% | 12.96% | 11.25% | -484 bps | |
| Net Interest Margin | 3.26% | 3.35% | 3.33% | 3.61% | 3.51% | 3.50% | 3.42% | 3.19% | -42 bps | |
| Efficiency Ratio | 66.17% | 66.07% | 65.71% | 64.71% | 65.87% | 67.25% | 67.75% | 71.51% | +680 bps | |
| Non-Interest Burden | 1.89% | 1.98% | 1.97% | 2.11% | 2.10% | 2.14% | 2.13% | 2.13% | +2 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 2.27% | 11.91% | 6.48% | -1.67% | 4.49% | -4.00% | 1.61% | 5.51% | +718 bps | |
| Loan Growth (YoY) | -5.42% | -7.80% | -2.25% | 0.27% | -1.90% | -1.73% | -0.11% | -0.57% | -84 bps | |
| Deposit Growth (YoY) | 2.75% | 11.14% | 5.07% | -1.94% | 4.33% | -2.86% | 3.82% | 6.28% | +822 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 | 0.11% | 0.06% | 0.06% | 1.02% | 0.49% | 0.32% | 0.26% | -0.04% | -106 bps | |
| Allowance / Loans | 1.04% | 1.03% | 1.04% | 0.88% | 0.97% | 1.00% | 1.02% | 1.12% | +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 | 16.12% | 15.78% | 15.77% | 16.23% | 16.47% | 16.36% | 15.69% | 15.35% | -87 bps | |
| Equity / Assets | 8.59% | 8.50% | 9.13% | 9.47% | 8.88% | 9.35% | 8.86% | 8.83% | -64 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 61.06% | 62.62% | 63.57% | 61.49% | 57.41% | 63.34% | 61.16% | 57.53% | -396 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.68% | 0.64% | 0.68% | 0.64% | 0.64% | -4 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |