Carbondale, IL · Cert 34013
FDIC
Q3 2006
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2006, the quarter ended September 30, 2006, 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.
Carbondale, IL · Cert 34013
FDIC
Q3 2006
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 | Q4 2004 | Q1 2005 | Q2 2005 | Q3 2005 | Q4 2005 | Q1 2006 | Q2 2006 | Q3 2006 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.58% | 0.62% | 0.52% | 0.52% | 0.08% | 0.56% | 0.50% | 0.45% | -7 bps | |
| Return on Equity | 7.11% | 8.35% | 6.88% | 6.85% | 1.08% | 7.63% | 6.75% | 6.04% | -81 bps | |
| Net Interest Margin | 3.11% | 3.15% | 3.19% | 3.15% | 3.08% | 2.87% | 2.90% | 2.80% | -35 bps | |
| Efficiency Ratio | 71.02% | 74.33% | 76.11% | 75.61% | 77.39% | 73.84% | 77.16% | 79.25% | +364 bps | |
| Non-Interest Burden | 2.13% | 2.29% | 2.38% | 2.33% | 2.35% | 2.06% | 2.20% | 2.19% | -14 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 22.69% | 10.68% | 8.70% | 6.17% | -0.54% | 2.64% | 3.10% | -2.24% | -841 bps | |
| Loan Growth (YoY) | 43.13% | 30.14% | 27.49% | 21.56% | 19.29% | 14.74% | 5.01% | 0.04% | -2,152 bps | |
| Deposit Growth (YoY) | 20.18% | 15.51% | 14.41% | 7.90% | 3.22% | 2.10% | 2.90% | 0.71% | -720 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 | 0.12% | 0.12% | 0.91% | 0.59% | 1.00% | 0.03% | 0.17% | 0.13% | -46 bps | |
| Allowance / Loans | 1.44% | 1.44% | 0.97% | 1.00% | 1.26% | 1.28% | 1.22% | 1.23% | +23 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 | 12.99% | 13.12% | 12.26% | 12.11% | 11.72% | 12.14% | 12.34% | 12.62% | +51 bps | |
| Equity / Assets | 7.37% | 7.50% | 7.74% | 7.60% | 7.33% | 7.44% | 7.39% | 7.69% | +10 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 74.42% | 75.19% | 81.12% | 83.84% | 86.00% | 84.49% | 82.79% | 83.29% | -55 bps | |
| Liquid Assets / Assets | 0.05% | 0.05% | 0.01% | 0.06% | 0.02% | 0.05% | 0.08% | 0.11% | +5 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |