Ashkum, IL · Cert 21982
FDIC
Q1 2010
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q2 2008 | Q3 2008 | Q4 2008 | Q1 2009 | Q2 2009 | Q3 2009 | Q4 2009 | Q1 2010 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.38% | 1.33% | 1.36% | 1.50% | 1.12% | 1.08% | 1.06% | 1.00% | -50 bps | |
| Return on Equity | 15.55% | 15.51% | 15.41% | 16.10% | 12.22% | 11.80% | 11.69% | 11.25% | -484 bps | |
| Net Interest Margin | 3.25% | 3.63% | 3.49% | 3.61% | 3.40% | 3.48% | 3.45% | 3.19% | -42 bps | |
| Efficiency Ratio | 65.23% | 65.88% | 64.68% | 64.71% | 67.12% | 69.97% | 69.25% | 71.51% | +680 bps | |
| Non-Interest Burden | 1.83% | 2.22% | 2.05% | 2.11% | 2.09% | 2.22% | 2.23% | 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 | 0.24% | -0.02% | 0.04% | 1.02% | -0.04% | 0.02% | 0.11% | -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 |