Springfield, IL · Cert 26820
FDIC
Q3 2009
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q4 2007 | Q1 2008 | Q2 2008 | Q3 2008 | Q4 2008 | Q1 2009 | Q2 2009 | Q3 2009 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.35% | 1.02% | 0.69% | 0.49% | -11.53% | -5.46% | -0.41% | -4.25% | -475 bps | |
| Return on Equity | 4.42% | 15.16% | 11.35% | 10.57% | -548% | -303% | -14.00% | -122.83% | -13,340 bps | |
| Net Interest Margin | 2.27% | 2.54% | 2.33% | 2.28% | 2.79% | 2.27% | 1.65% | 1.09% | -119 bps | |
| Efficiency Ratio | 78.96% | 65.68% | 71.86% | 70.65% | 33.90% | 66.61% | 44.64% | 57.70% | -1,295 bps | |
| Non-Interest Burden | 1.43% | 0.96% | 1.18% | 1.09% | -0.12% | 1.02% | -0.14% | -0.27% | -136 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 | 1.13% | 0.00% | 0.00% | -0.34% | 0.79% | 0.00% | 1.46% | 0.32% | +65 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 |