Rochelle, IL · Cert 34856
FDIC
Q1 2013
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2013, the quarter ended March 31, 2013, 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.
Rochelle, IL · Cert 34856
FDIC
Q1 2013
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 2011 | Q3 2011 | Q4 2011 | Q1 2012 | Q2 2012 | Q3 2012 | Q4 2012 | Q1 2013 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.96% | 0.99% | 0.64% | 0.71% | 0.62% | 0.37% | 0.28% | -0.13% | -84 bps | |
| Return on Equity | 10.90% | 11.05% | 7.11% | 8.26% | 7.08% | 4.25% | 3.16% | -1.52% | -978 bps | |
| Net Interest Margin | 3.63% | 3.77% | 3.58% | 3.29% | 3.29% | 3.45% | 3.22% | 2.70% | -58 bps | |
| Efficiency Ratio | 81.15% | 78.82% | 78.96% | 81.07% | 78.61% | 75.62% | 78.83% | 101.18% | +2,011 bps | |
| Non-Interest Burden | 2.69% | 2.65% | 2.50% | 2.35% | 2.21% | 2.13% | 2.14% | 2.75% | +40 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 6.07% | 6.08% | -0.21% | 1.41% | 5.76% | 3.04% | 4.82% | 2.07% | +65 bps | |
| Loan Growth (YoY) | -4.54% | -0.86% | -6.50% | -5.06% | -4.33% | -8.33% | -4.47% | -5.11% | -5 bps | |
| Deposit Growth (YoY) | 4.91% | 5.22% | -0.49% | 1.49% | 6.39% | 3.74% | 5.24% | 2.34% | +85 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 | -0.01% | 0.00% | 0.33% | 0.04% | 0.14% | 1.07% | 0.93% | 0.31% | +27 bps | |
| Allowance / Loans | 1.53% | 1.56% | 1.54% | 1.63% | 1.53% | 1.57% | 1.64% | 1.64% | +1 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 | 13.06% | 13.13% | 12.79% | 13.59% | 13.77% | 13.80% | 13.93% | 14.28% | +68 bps | |
| Equity / Assets | 9.48% | 9.47% | 8.72% | 8.43% | 8.95% | 8.89% | 8.64% | 8.35% | -8 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 80.54% | 81.65% | 72.67% | 66.96% | 72.43% | 72.15% | 65.97% | 62.08% | -488 bps | |
| Liquid Assets / Assets | 19.49% | 17.69% | 25.26% | 31.11% | 24.28% | 23.50% | 27.87% | 32.45% | +133 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |