PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Amcore Investment Group, N.A.

Rockford, IL · Cert 33453

FDIC

Q3 2008

$12.1MAssets
n/aLoans
n/aDeposits
$8.8MEquity

Executive Summary

  • Earnings: ROA of 2.91%, down 931 bps year over year; NIM at 1.54%.

Return on Assets (quarter, annualized)

2.91%-931 bps YoY

Net Interest Margin (quarter, annualized)

1.54%-197 bps YoY

Efficiency Ratio (quarter, annualized)

99.28%+946 bps YoY

Tier 1 Leverage Ratio

n/a
n/a

NIM

3.22%Q3 ’063.51%Q3 ’071.54%Q3 ’08+9%-56%

Non-interest income vs. expense

141.93%Q3 ’06162.14%Q3 ’07160.89%Q3 ’08-439%+102%

Discrete quarter, annualized.

MetricQ4 2006Q1 2007Q2 2007Q3 2007Q4 2007Q1 2008Q2 2008Q3 2008YoY ΔTrend
Earnings
Return on Assets1.45%4.50%-26.97%12.22%2.92%0.61%-4.73%2.91%-931 bps
Return on Equity2.29%6.65%-40.50%18.97%4.32%0.87%-6.58%4.07%-1,491 bps
Net Interest Margin3.46%3.23%3.31%3.51%3.23%2.33%1.63%1.54%-197 bps
Efficiency Ratio105.13%94.68%124.15%89.81%96.48%99.16%98.23%99.28%+946 bps
Non-Interest Burden11.41%-4.92%42.35%-14.88%-3.02%0.82%4.79%0.37%+1,525 bps
Growth
Asset Growth (YoY)-23.48%-2.53%-1.56%-8.90%-8.45%-5.63%-7.17%-6.42%+248 bps
Loan Growth (YoY)n/an/an/an/an/an/an/an/an/an/a
Deposit Growth (YoY)n/an/an/an/an/an/an/an/an/an/a
Asset Quality
Nonperforming Loans / Loansn/an/an/an/an/an/an/an/an/an/a
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance Coverage of NPLsn/an/an/an/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ration/an/an/an/an/an/an/an/an/an/a
Total Risk-Based Capital107.46%132.01%109.65%124.70%128.22%148.25%129.29%132.40%+770 bps
Equity / Assets63.93%71.68%61.76%67.20%68.31%73.55%70.15%73.10%+589 bps
Liquidity & Funding
Loans / Depositsn/an/an/an/an/an/an/an/an/an/a
Liquid Assets / Assets46.98%52.47%50.43%52.90%53.75%58.02%52.68%54.41%+151 bps
CRE / Total Capitaln/an/an/an/an/an/an/an/an/an/a