Astoria, IL · Cert 23324
FDIC
Q1 2011
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q2 2009 | Q3 2009 | Q4 2009 | Q1 2010 | Q2 2010 | Q3 2010 | Q4 2010 | Q1 2011 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.47% | 1.19% | -0.22% | 0.82% | 0.94% | 0.80% | -12.34% | 0.82% | 0 bps | |
| Return on Equity | 11.30% | 8.97% | -1.65% | 6.45% | 7.32% | 6.29% | -117.31% | 9.63% | +318 bps | |
| Net Interest Margin | 4.17% | 4.26% | 4.39% | 4.01% | 4.15% | 4.24% | 3.84% | 3.63% | -38 bps | |
| Efficiency Ratio | 64.68% | 70.94% | 93.40% | 78.17% | 76.47% | 79.52% | 373% | 80.61% | +244 bps | |
| Non-Interest Burden | 2.47% | 2.84% | 4.05% | 3.00% | 3.01% | 3.23% | 16.18% | 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 | -0.12% | 0.97% | 0.00% | -0.04% | 0.00% | -0.07% | 0.15% | -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 |