Lewistown, IL · Cert 23866
FDIC
Q3 2011
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q4 2009 | Q1 2010 | Q2 2010 | Q3 2010 | Q4 2010 | Q1 2011 | Q2 2011 | Q3 2011 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.11% | 1.95% | 1.84% | 1.62% | 1.57% | 1.47% | 1.42% | 1.74% | +12 bps | |
| Return on Equity | 10.56% | 18.24% | 17.07% | 15.56% | 15.06% | 13.58% | 13.51% | 16.95% | +139 bps | |
| Net Interest Margin | 3.36% | 3.46% | 3.23% | 2.98% | 3.00% | 3.05% | 3.10% | 3.02% | +4 bps | |
| Efficiency Ratio | 49.08% | 48.91% | 50.09% | 52.49% | 52.41% | 56.08% | 58.23% | 47.97% | -452 bps | |
| Non-Interest Burden | 1.42% | 1.47% | 1.41% | 1.37% | 1.39% | 1.57% | 1.68% | 1.27% | -10 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 9.21% | 2.16% | -0.55% | 2.64% | -0.64% | 0.92% | 5.18% | -2.14% | -479 bps | |
| Loan Growth (YoY) | 0.83% | -0.59% | -1.45% | -4.20% | -7.21% | -8.96% | -5.69% | -2.85% | +135 bps | |
| Deposit Growth (YoY) | 5.35% | 1.11% | -0.62% | 2.92% | 3.86% | 2.29% | 1.29% | -2.36% | -529 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 | 0.00% | 0.01% | 0.00% | 0.01% | 0.12% | 0.02% | 0.00% | 0.00% | -1 bps | |
| Allowance / Loans | 1.28% | 1.32% | 1.36% | 1.39% | 1.35% | 1.42% | 1.41% | 1.40% | +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 | 18.19% | 18.67% | 18.91% | 18.54% | 19.30% | 19.99% | 19.29% | 19.11% | +57 bps | |
| Equity / Assets | 10.48% | 10.93% | 10.65% | 10.21% | 10.68% | 10.90% | 10.15% | 10.42% | +21 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 70.77% | 70.30% | 64.97% | 61.75% | 63.23% | 62.57% | 60.50% | 61.44% | -31 bps | |
| Liquid Assets / Assets | 35.08% | 34.92% | 31.65% | 31.38% | 31.91% | 38.42% | 35.37% | 32.65% | +127 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |