Astoria, IL · Cert 23324
FDIC
Q1 2011
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2011, the quarter ended March 31, 2011, 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.
Astoria, IL · Cert 23324
FDIC
Q1 2011
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 2009 | Q3 2009 | Q4 2009 | Q1 2010 | Q2 2010 | Q3 2010 | Q4 2010 | Q1 2011 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.27% | 1.25% | 0.88% | 0.82% | 0.88% | 0.85% | -2.57% | 0.82% | 0 bps | |
| Return on Equity | 9.66% | 9.42% | 6.72% | 6.45% | 6.87% | 6.68% | -21.64% | 9.63% | +318 bps | |
| Net Interest Margin | 4.20% | 4.23% | 4.26% | 4.01% | 4.09% | 4.12% | 3.84% | 3.63% | -38 bps | |
| Efficiency Ratio | 69.00% | 69.65% | 75.83% | 78.17% | 77.31% | 78.07% | 152.39% | 80.61% | +244 bps | |
| Non-Interest Burden | 2.71% | 2.76% | 3.07% | 3.00% | 3.01% | 3.07% | 6.19% | 2.79% | -21 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -0.24% | 1.01% | 2.05% | -2.23% | -1.29% | 4.81% | 5.98% | 10.77% | +1,300 bps | |
| Loan Growth (YoY) | 0.46% | 0.30% | 3.75% | -0.48% | 2.10% | 3.86% | 2.57% | 0.21% | +68 bps | |
| Deposit Growth (YoY) | -1.38% | -2.78% | -0.62% | -2.05% | -1.09% | 9.92% | 14.87% | 16.39% | +1,844 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 | -0.10% | 0.26% | 0.19% | -0.04% | -0.02% | -0.04% | 0.01% | -0.08% | -4 bps | |
| Allowance / Loans | 1.16% | 0.99% | 1.21% | 1.34% | 1.39% | 1.45% | 1.24% | 1.33% | -1 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 | 23.41% | 23.54% | 22.28% | 23.27% | 23.17% | 22.76% | 17.35% | 19.14% | -413 bps | |
| Equity / Assets | 13.16% | 13.48% | 12.61% | 12.79% | 13.00% | 12.42% | 8.64% | 8.45% | -434 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 69.89% | 74.33% | 73.96% | 70.01% | 72.14% | 70.24% | 66.04% | 60.27% | -973 bps | |
| Liquid Assets / Assets | 0.03% | 0.03% | 0.03% | 0.03% | 0.03% | 11.82% | 14.54% | 20.48% | +2,045 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |