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 -0.39%, up 290 bps year over year; NIM at 1.85%.

Return on Assets (YTD, annualized)

-0.39%+290 bps YoY

Net Interest Margin (YTD, annualized)

1.85%-149 bps YoY

Efficiency Ratio (YTD, annualized)

98.87%-335 bps YoY

Tier 1 Leverage Ratio

n/a
n/a

NIM

3.00%Q3 ’063.34%Q3 ’071.85%Q3 ’08+11%-45%

Non-interest income vs. expense

139.14%Q3 ’06168.50%Q3 ’07177.98%Q3 ’08+853%-71%

Year to date, annualized, through each quarter.

MetricQ4 2006Q1 2007Q2 2007Q3 2007Q4 2007Q1 2008Q2 2008Q3 2008YoY ΔTrend
Earnings
Return on Assets1.70%4.50%-10.91%-3.29%-1.77%0.61%-2.02%-0.39%+290 bps
Return on Equity2.85%6.65%-16.61%-4.99%-2.66%0.87%-2.86%-0.55%+444 bps
Net Interest Margin3.07%3.23%3.37%3.34%3.37%2.33%1.99%1.85%-149 bps
Efficiency Ratio99.37%94.68%109.35%102.22%100.73%99.16%98.69%98.87%-335 bps
Non-Interest Burden2.17%-4.92%18.56%7.00%4.60%0.82%2.81%2.01%-500 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