Gilman, IL · Cert 3673
FDIC
Q3 2009
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2009, the quarter ended September 30, 2009, 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.
Gilman, IL · Cert 3673
FDIC
Q3 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 | Q4 2007 | Q1 2008 | Q2 2008 | Q3 2008 | Q4 2008 | Q1 2009 | Q2 2009 | Q3 2009 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.66% | 1.30% | 0.89% | 0.66% | -1.54% | -10.28% | -8.69% | -5.33% | -599 bps | |
| Return on Equity | 10.91% | 22.85% | 14.72% | 10.56% | -24.79% | -191.89% | -195.23% | -129.33% | -13,989 bps | |
| Net Interest Margin | 3.69% | 3.67% | 3.97% | 3.98% | 4.06% | 3.91% | 4.02% | 4.29% | +31 bps | |
| Efficiency Ratio | 74.69% | 68.74% | 68.09% | 65.17% | 68.33% | 78.71% | 96.24% | 93.34% | +2,817 bps | |
| Non-Interest Burden | 2.56% | 2.30% | 2.44% | 2.23% | 2.44% | 2.93% | 3.84% | 3.95% | +172 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 2.80% | 0.29% | -9.08% | -9.17% | -12.58% | -13.74% | -8.36% | -15.43% | -626 bps | |
| Loan Growth (YoY) | 0.10% | -8.46% | -7.55% | -4.46% | -15.56% | -15.04% | -16.34% | -14.88% | -1,042 bps | |
| Deposit Growth (YoY) | 0.39% | 10.42% | 9.06% | 1.55% | 2.91% | -7.49% | -3.74% | -13.70% | -1,525 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 | 0.33% | 0.12% | 0.06% | 0.03% | 3.68% | 0.33% | 0.86% | 0.59% | +56 bps | |
| Allowance / Loans | 0.51% | 0.50% | 0.50% | 1.29% | 1.08% | 1.13% | 1.29% | 1.34% | +6 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 | 9.89% | 10.49% | 12.26% | 13.50% | 11.08% | 6.01% | 3.90% | 6.01% | -749 bps | |
| Equity / Assets | 5.57% | 5.77% | 6.77% | 6.87% | 6.12% | 4.60% | 2.60% | 3.02% | -385 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 70.67% | 60.58% | 63.01% | 61.97% | 57.98% | 55.64% | 54.75% | 61.12% | -85 bps | |
| Liquid Assets / Assets | 0.16% | 0.08% | 0.02% | 0.02% | 0.03% | 13.14% | 12.98% | 17.77% | +1,775 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |