Morris, IL · Cert 28427
FDIC
Q1 2008
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2008, the quarter ended March 31, 2008, 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.
Morris, IL · Cert 28427
FDIC
Q1 2008
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 2006 | Q3 2006 | Q4 2006 | Q1 2007 | Q2 2007 | Q3 2007 | Q4 2007 | Q1 2008 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.46% | -0.45% | -0.55% | -0.72% | -0.83% | -0.82% | -2.52% | -1.38% | -66 bps | |
| Return on Equity | -5.18% | -5.00% | -6.02% | -7.54% | -8.68% | -8.72% | -27.77% | -19.50% | -1,197 bps | |
| Net Interest Margin | 2.46% | 2.72% | 2.66% | 2.78% | 2.76% | 2.81% | 2.63% | 2.28% | -50 bps | |
| Efficiency Ratio | 115.52% | 114.25% | 116.79% | 122.51% | 126.23% | 125.74% | 179.77% | 153.00% | +3,049 bps | |
| Non-Interest Burden | 2.92% | 3.18% | 3.19% | 3.51% | 3.60% | 3.66% | 5.10% | 3.66% | +15 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -12.25% | -13.14% | -13.40% | -13.73% | -9.11% | -4.66% | -4.54% | 7.95% | +2,168 bps | |
| Loan Growth (YoY) | -1.73% | -4.44% | -4.94% | -7.27% | -6.09% | 0.98% | 3.28% | 12.66% | +1,993 bps | |
| Deposit Growth (YoY) | -4.21% | -7.61% | -8.16% | -5.56% | -10.52% | -5.64% | -4.42% | 9.85% | +1,541 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 | 0.02% | 0.02% | 0.02% | 0.00% | 0.00% | 0.06% | 0.04% | 0.00% | 0 bps | |
| Allowance / Loans | 0.54% | 0.56% | 0.55% | 0.58% | 0.58% | 0.50% | 0.50% | 0.50% | -8 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 | 19.66% | 19.63% | 19.61% | 20.11% | 19.75% | 17.75% | 13.62% | 12.44% | -767 bps | |
| Equity / Assets | 9.19% | 9.39% | 9.44% | 9.68% | 9.50% | 9.15% | 7.59% | 6.63% | -304 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 87.77% | 91.43% | 92.38% | 87.81% | 92.11% | 97.85% | 99.81% | 90.06% | +225 bps | |
| Liquid Assets / Assets | 3.53% | 3.52% | 3.61% | 3.81% | 3.97% | 3.63% | 3.29% | 14.23% | +1,042 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |