Alton, IL · Cert 35416
FDIC
Q3 2008
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2008, the quarter ended September 30, 2008, 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.
Alton, IL · Cert 35416
FDIC
Q3 2008
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 2006 | Q1 2007 | Q2 2007 | Q3 2007 | Q4 2007 | Q1 2008 | Q2 2008 | Q3 2008 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.27% | 0.38% | 0.35% | 0.40% | 0.47% | 0.73% | 0.83% | 0.76% | +36 bps | |
| Return on Equity | 3.79% | 4.87% | 4.51% | 5.12% | 6.05% | 9.06% | 10.90% | 10.14% | +502 bps | |
| Net Interest Margin | 2.29% | 2.18% | 2.24% | 2.30% | 2.26% | 2.71% | 2.73% | 2.61% | +30 bps | |
| Efficiency Ratio | 67.44% | 82.88% | 83.05% | 80.34% | 76.08% | 62.17% | 57.58% | 55.45% | -2,488 bps | |
| Non-Interest Burden | 1.51% | 1.79% | 1.84% | 1.83% | 1.69% | 1.64% | 1.53% | 1.40% | -43 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -3.08% | -9.78% | -9.10% | -3.97% | 4.19% | 5.66% | 23.15% | 14.49% | +1,846 bps | |
| Loan Growth (YoY) | 25.06% | 17.23% | 19.43% | 18.87% | 16.18% | 2.48% | 18.70% | 12.83% | -604 bps | |
| Deposit Growth (YoY) | -27.19% | -24.20% | -28.06% | -1.24% | 11.46% | 13.23% | 38.38% | 18.95% | +2,019 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 | 0.02% | 0.00% | 0.06% | 0.09% | 0.10% | 0.16% | 0.08% | 0.34% | +25 bps | |
| Allowance / Loans | 1.68% | 1.62% | 1.56% | 1.43% | 1.39% | 1.47% | 1.23% | 1.19% | -24 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 | 14.35% | 14.10% | 13.73% | 13.21% | 13.06% | 13.90% | 11.68% | 12.02% | -119 bps | |
| Equity / Assets | 7.68% | 7.98% | 7.84% | 7.93% | 7.78% | 8.40% | 6.78% | 7.32% | -61 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 91.58% | 100.31% | 103.95% | 101.52% | 95.46% | 90.79% | 89.17% | 96.29% | -522 bps | |
| Liquid Assets / Assets | 2.36% | 0.54% | 0.55% | 0.50% | 0.48% | 0.47% | 0.40% | 0.34% | -16 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |