Springfield, IL · Cert 26820
FDIC
Q3 2009
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2009, the quarter ended September 30, 2009, 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.
Springfield, IL · Cert 26820
FDIC
Q3 2009
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 | Q4 2007 | Q1 2008 | Q2 2008 | Q3 2008 | Q4 2008 | Q1 2009 | Q2 2009 | Q3 2009 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.62% | 1.02% | 0.86% | 0.73% | -2.45% | -5.46% | -2.86% | -3.38% | -412 bps | |
| Return on Equity | 7.30% | 15.16% | 13.21% | 12.97% | -52.43% | -303% | -122.01% | -128.43% | -14,140 bps | |
| Net Interest Margin | 2.26% | 2.54% | 2.39% | 2.36% | 2.28% | 2.27% | 1.80% | 1.58% | -78 bps | |
| Efficiency Ratio | 79.36% | 65.68% | 68.66% | 69.30% | 59.37% | 66.61% | 55.61% | 56.30% | -1,300 bps | |
| Non-Interest Burden | 1.44% | 0.96% | 1.05% | 1.07% | 0.68% | 1.02% | 0.37% | 0.16% | -91 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 8.42% | 23.29% | 19.30% | 12.34% | 15.35% | 13.66% | 20.68% | -0.77% | -1,311 bps | |
| Loan Growth (YoY) | -4.81% | 20.69% | 16.33% | 32.74% | 33.82% | 25.62% | 24.00% | -22.73% | -5,548 bps | |
| Deposit Growth (YoY) | -11.90% | 21.50% | 9.32% | 23.96% | 24.22% | 69.13% | 117.46% | 99.10% | +7,514 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 | 0.28% | 0.00% | 0.00% | -0.11% | 0.12% | 0.00% | 0.73% | 0.81% | +92 bps | |
| Allowance / Loans | 2.23% | 2.00% | 2.12% | 2.01% | 2.35% | 2.43% | 2.17% | 3.57% | +156 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 | 13.47% | 12.17% | 13.64% | 12.98% | 7.48% | 8.06% | 8.35% | 8.36% | -462 bps | |
| Equity / Assets | 7.38% | 6.11% | 6.12% | 3.23% | 1.02% | 2.53% | 3.35% | 3.60% | +37 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 63.55% | 64.20% | 64.51% | 71.44% | 68.46% | 47.69% | 36.79% | 27.72% | -4,371 bps | |
| Liquid Assets / Assets | 0.39% | 0.33% | 0.35% | 0.35% | 0.35% | 16.16% | 0.25% | 0.26% | -9 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |