Arcola, IL · Cert 31813
FDIC
Q1 2010
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2010, the quarter ended March 31, 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.
Arcola, IL · Cert 31813
FDIC
Q1 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 | Q2 2008 | Q3 2008 | Q4 2008 | Q1 2009 | Q2 2009 | Q3 2009 | Q4 2009 | Q1 2010 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -2.29% | -1.55% | -2.68% | 0.15% | 0.62% | 0.60% | -15.71% | -14.16% | -1,431 bps | |
| Return on Equity | -8.83% | -6.09% | -11.88% | 1.08% | 4.63% | 4.60% | -160.71% | 300% | +29,905 bps | |
| Net Interest Margin | 1.43% | 2.20% | 1.53% | 2.68% | 2.99% | 3.18% | 3.13% | 2.91% | +23 bps | |
| Efficiency Ratio | 249% | 167.47% | 186.64% | 89.09% | 77.22% | 77.40% | 83.63% | 137.88% | +4,879 bps | |
| Non-Interest Burden | 3.70% | 3.74% | 2.92% | 2.39% | 2.29% | 2.44% | 2.60% | 4.03% | +165 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -29.95% | -12.18% | 68.57% | 71.56% | 86.60% | 92.08% | 21.36% | -0.08% | -7,164 bps | |
| Loan Growth (YoY) | 86.76% | 173.17% | 272% | 231% | 219% | 111.14% | 8.29% | -18.43% | -24,919 bps | |
| Deposit Growth (YoY) | -35.31% | -13.54% | 100.55% | 98.92% | 115.76% | 123.06% | 47.32% | 22.77% | -7,615 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% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 12.93% | -0.33% | -33 bps | |
| Allowance / Loans | 0.45% | 0.27% | 0.95% | 0.87% | 0.87% | 0.89% | 8.39% | 14.51% | +1,364 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 | 42.46% | 32.39% | 20.44% | 18.01% | 17.53% | 14.29% | -3.61% | -11.51% | -2,952 bps | |
| Equity / Assets | 24.34% | 24.23% | 15.08% | 13.12% | 12.35% | 12.09% | -2.87% | -6.67% | -1,978 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 65.36% | 107.69% | 103.25% | 100.40% | 96.65% | 101.93% | 75.90% | 66.71% | -3,369 bps | |
| Liquid Assets / Assets | 0.21% | 0.22% | 0.13% | 0.11% | 0.10% | 0.10% | 1.90% | 7.91% | +780 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |