Pittsfield, IL · Cert 35294
FDIC
Q1 2006
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2006, the quarter ended March 31, 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.
Pittsfield, IL · Cert 35294
FDIC
Q1 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 | Q2 2004 | Q3 2004 | Q4 2004 | Q1 2005 | Q2 2005 | Q3 2005 | Q4 2005 | Q1 2006 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.00% | -0.25% | -0.61% | 0.09% | 0.30% | 0.16% | 0.15% | -0.10% | -19 bps | |
| Return on Equity | 10.14% | -2.47% | -5.79% | 0.84% | 2.66% | 1.36% | 1.29% | -0.77% | -161 bps | |
| Net Interest Margin | 3.05% | 3.15% | 3.29% | 3.16% | 3.47% | 3.54% | 3.53% | 3.11% | -5 bps | |
| Efficiency Ratio | 53.10% | 70.92% | 75.22% | 84.51% | 79.91% | 80.54% | 83.62% | 89.56% | +505 bps | |
| Non-Interest Burden | 1.57% | 2.21% | 2.44% | 2.64% | 2.72% | 2.80% | 2.92% | 2.77% | +13 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -22.74% | -20.97% | -23.95% | -19.76% | -25.10% | -22.93% | -19.24% | -17.37% | +239 bps | |
| Loan Growth (YoY) | -0.86% | -0.47% | 0.73% | -0.97% | 2.77% | -1.42% | -7.52% | -10.99% | -1,002 bps | |
| Deposit Growth (YoY) | -23.95% | -23.50% | -26.62% | -19.50% | -25.96% | -24.26% | -19.59% | -19.66% | -16 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% | 1.11% | 1.27% | -0.13% | 0.67% | 0.48% | 0.49% | 0.09% | +22 bps | |
| Allowance / Loans | 1.03% | 1.03% | 1.27% | 1.37% | 1.00% | 1.22% | 1.19% | 1.28% | -9 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 | 20.48% | 19.84% | 19.30% | 16.62% | 16.39% | 16.76% | 17.44% | 18.59% | +197 bps | |
| Equity / Assets | 10.41% | 11.73% | 12.13% | 10.12% | 11.48% | 12.12% | 12.22% | 12.33% | +221 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 56.34% | 63.88% | 68.77% | 66.99% | 78.21% | 83.15% | 79.10% | 74.22% | +723 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 4.40% | 4.66% | 4.71% | 4.78% | +478 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |