Aledo, IL · Cert 35395
FDIC
Q3 2011
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q4 2009 | Q1 2010 | Q2 2010 | Q3 2010 | Q4 2010 | Q1 2011 | Q2 2011 | Q3 2011 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.45% | 1.18% | 1.23% | 0.77% | -34.67% | 0.44% | -9.78% | -17.06% | -1,783 bps | |
| Return on Equity | 15.17% | 11.15% | 10.91% | 6.76% | -473% | 14.18% | -508% | 1222% | +121,553 bps | |
| Net Interest Margin | 4.43% | 4.06% | 4.02% | 4.19% | 2.25% | 3.17% | 1.23% | 1.91% | -228 bps | |
| Efficiency Ratio | 41.56% | 48.81% | 49.05% | 48.18% | 95.42% | 65.89% | 76.15% | 184.96% | +13,678 bps | |
| Non-Interest Burden | 1.81% | 1.93% | 1.93% | 1.97% | 2.15% | 2.04% | 0.90% | 3.68% | +171 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 28.06% | 23.66% | 9.63% | 5.52% | -5.45% | -6.47% | -9.68% | -11.94% | -1,746 bps | |
| Loan Growth (YoY) | 34.44% | 28.26% | 9.42% | 2.28% | -0.62% | -1.87% | -6.26% | -14.55% | -1,683 bps | |
| Deposit Growth (YoY) | 20.84% | 16.65% | 6.75% | 8.95% | 7.45% | 3.23% | 2.63% | 5.54% | -341 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 | 0.14% | 0.12% | 0.15% | 0.01% | 11.46% | 0.02% | 20.08% | 0.80% | +79 bps | |
| Allowance / Loans | 1.39% | 1.46% | 1.58% | 1.84% | 11.14% | 11.40% | 11.10% | 16.57% | +1,472 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 | 12.91% | 13.87% | 14.62% | 14.46% | 4.91% | 5.05% | 1.59% | -4.65% | -1,912 bps | |
| Equity / Assets | 10.12% | 10.98% | 11.59% | 11.23% | 2.99% | 3.17% | 0.63% | -3.38% | -1,461 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 101.92% | 100.58% | 97.73% | 97.41% | 94.26% | 95.61% | 89.26% | 78.87% | -1,854 bps | |
| Liquid Assets / Assets | 0.30% | 0.05% | 0.46% | 0.29% | 0.06% | 1.19% | 0.58% | 0.12% | -17 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |