Champaign, IL · Cert 35175
FDIC
Q1 2009
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 2007 | Q3 2007 | Q4 2007 | Q1 2008 | Q2 2008 | Q3 2008 | Q4 2008 | Q1 2009 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.44% | 1.31% | 1.20% | -2.17% | -0.79% | -1.67% | -3.90% | 1.13% | +330 bps | |
| Return on Equity | 12.46% | 11.49% | 11.19% | -30.58% | -13.72% | -35.20% | -98.33% | 70.36% | +10,094 bps | |
| Net Interest Margin | 2.27% | 2.17% | 1.95% | 2.71% | 2.56% | 2.37% | 2.47% | 2.01% | -70 bps | |
| Efficiency Ratio | 45.61% | 44.66% | 45.40% | 34.52% | 27.60% | 30.30% | 34.53% | 53.71% | +1,919 bps | |
| Non-Interest Burden | 0.54% | 0.51% | 0.50% | 0.66% | 0.48% | 0.52% | 0.67% | 1.00% | +34 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 18.48% | 32.67% | 48.13% | 145.22% | 150.18% | 108.82% | 54.76% | -14.05% | -15,927 bps | |
| Loan Growth (YoY) | 41.55% | 52.65% | 63.10% | 72.22% | 85.63% | 53.03% | 41.53% | 5.66% | -6,657 bps | |
| Deposit Growth (YoY) | 34.85% | 28.68% | 43.83% | 145.41% | 180.85% | 158.07% | 70.18% | -5.25% | -15,067 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% | 0.46% | 9.98% | 5.31% | 3.64% | 5.30% | 0.00% | -998 bps | |
| Allowance / Loans | 1.11% | 1.13% | 0.81% | 0.94% | 1.80% | 1.88% | 4.47% | 4.26% | +332 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 | 12.36% | 10.73% | 10.57% | 10.64% | 7.08% | 8.93% | 5.15% | 5.74% | -490 bps | |
| Equity / Assets | 11.39% | 10.91% | 9.03% | 5.95% | 3.71% | 2.01% | 0.92% | 2.36% | -359 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 64.38% | 73.83% | 53.96% | 38.43% | 42.55% | 43.78% | 44.87% | 42.85% | +442 bps | |
| Liquid Assets / Assets | 1.31% | 0.29% | 0.44% | 0.06% | 0.01% | 0.01% | 0.01% | 0.01% | -4 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |