Mount Pulaski, IL · Cert 3715
FDIC
Q4 2007
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2007, the quarter ended December 31, 2007, 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.
Mount Pulaski, IL · Cert 3715
FDIC
Q4 2007
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 | Q1 2006 | Q2 2006 | Q3 2006 | Q4 2006 | Q1 2007 | Q2 2007 | Q3 2007 | Q4 2007 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.41% | -0.31% | 0.01% | 0.16% | 0.41% | 0.32% | -0.11% | 0.14% | -2 bps | |
| Return on Equity | -5.49% | -4.10% | 0.16% | 2.05% | 5.10% | 3.91% | -1.32% | 1.68% | -36 bps | |
| Net Interest Margin | 3.02% | 3.07% | 3.11% | 3.20% | 3.37% | 3.38% | 3.38% | 3.38% | +19 bps | |
| Efficiency Ratio | 111.95% | 108.73% | 99.13% | 95.23% | 88.32% | 88.88% | 92.63% | 82.79% | -1,243 bps | |
| Non-Interest Burden | 3.44% | 3.38% | 3.08% | 3.02% | 2.92% | 2.95% | 3.10% | 2.59% | -43 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -9.87% | -10.19% | -12.41% | -4.17% | -0.86% | 0.98% | 1.50% | 1.44% | +561 bps | |
| Loan Growth (YoY) | -10.21% | -8.60% | -9.38% | -5.30% | -6.38% | -7.27% | -7.19% | -14.90% | -960 bps | |
| Deposit Growth (YoY) | -10.00% | -10.73% | -14.31% | -4.81% | -4.68% | -5.27% | -2.08% | -3.96% | +85 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 | -0.65% | 0.18% | 0.12% | 0.58% | -1.10% | -0.41% | 0.15% | 0.40% | -17 bps | |
| Allowance / Loans | 1.31% | 1.09% | 1.14% | 0.65% | 0.94% | 0.98% | 1.12% | 1.60% | +95 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 | 14.22% | 14.22% | 15.10% | 14.65% | 15.00% | 15.21% | 15.80% | 16.83% | +218 bps | |
| Equity / Assets | 7.48% | 7.58% | 8.32% | 8.16% | 8.11% | 8.14% | 8.47% | 8.54% | +38 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 69.06% | 69.37% | 70.72% | 66.85% | 67.84% | 67.91% | 67.03% | 59.23% | -761 bps | |
| Liquid Assets / Assets | 2.32% | 1.70% | 1.15% | 1.10% | 0.75% | 0.90% | 0.95% | 0.64% | -46 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |