Arcola, IL · Cert 31813
FDIC
Q1 2010
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q2 2008 | Q3 2008 | Q4 2008 | Q1 2009 | Q2 2009 | Q3 2009 | Q4 2009 | Q1 2010 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -2.74% | -0.12% | -5.63% | 0.15% | 1.04% | 0.55% | -60.97% | -14.16% | -1,431 bps | |
| Return on Equity | -11.12% | -0.50% | -30.03% | 1.08% | 8.15% | 4.53% | -1260% | 300% | +29,905 bps | |
| Net Interest Margin | 1.00% | 3.73% | 1.39% | 2.68% | 3.62% | 3.79% | 3.74% | 2.91% | +23 bps | |
| Efficiency Ratio | 362% | 103.23% | 249% | 89.09% | 69.59% | 77.66% | 98.48% | 137.88% | +4,879 bps | |
| Non-Interest Burden | 3.82% | 3.85% | 3.64% | 2.39% | 2.49% | 2.91% | 3.68% | 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% | 51.73% | -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 |