Tremont, IL · Cert 31369
FDIC
Q2 2010
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2010, the quarter ended June 30, 2010, 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.
Tremont, IL · Cert 31369
FDIC
Q2 2010
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 | Q3 2008 | Q4 2008 | Q1 2009 | Q2 2009 | Q3 2009 | Q4 2009 | Q1 2010 | Q2 2010 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.33% | -0.19% | 0.60% | -0.17% | -0.02% | -0.11% | 0.60% | 0.49% | +66 bps | |
| Return on Equity | -4.24% | -2.43% | 7.21% | -2.04% | -0.30% | -1.31% | 7.27% | 5.90% | +795 bps | |
| Net Interest Margin | 2.62% | 2.66% | 2.72% | 2.60% | 2.47% | 2.72% | 2.91% | 2.87% | +26 bps | |
| Efficiency Ratio | 86.79% | 85.03% | 78.09% | 80.92% | 83.05% | 80.29% | 78.12% | 85.55% | +463 bps | |
| Non-Interest Burden | 2.33% | 2.29% | 2.02% | 1.99% | 1.96% | 2.07% | 2.17% | 2.40% | +41 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 0.64% | 1.24% | 0.90% | 4.22% | -1.10% | -0.33% | -7.68% | -7.21% | -1,144 bps | |
| Loan Growth (YoY) | -4.05% | -5.77% | -4.27% | -6.33% | -8.22% | -10.01% | -11.32% | -8.00% | -167 bps | |
| Deposit Growth (YoY) | 0.08% | 2.08% | 3.22% | 5.55% | -0.68% | -0.31% | -4.75% | -5.00% | -1,055 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 | 1.05% | 0.80% | 0.80% | 0.50% | 1.90% | 1.89% | 0.03% | 0.01% | -48 bps | |
| Allowance / Loans | 0.90% | 1.06% | 0.97% | 1.54% | 0.52% | 0.76% | 0.86% | 0.91% | -63 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 | 11.31% | 12.48% | 12.82% | 10.90% | 10.16% | 10.60% | 10.88% | 10.93% | +3 bps | |
| Equity / Assets | 7.96% | 8.45% | 8.29% | 7.58% | 8.22% | 8.09% | 8.45% | 8.37% | +79 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 98.41% | 97.05% | 89.35% | 85.03% | 90.94% | 87.61% | 83.18% | 82.35% | -268 bps | |
| Liquid Assets / Assets | 2.68% | 3.96% | 9.46% | 5.55% | 3.92% | 7.38% | 7.36% | 7.73% | +217 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |