Mount Pulaski, IL · Cert 3715
FDIC
Q4 2007
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| 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% | -0.20% | 0.69% | 0.62% | 0.41% | 0.22% | -0.98% | 0.89% | +27 bps | |
| Return on Equity | -5.49% | -2.68% | 8.66% | 7.53% | 5.10% | 2.71% | -11.82% | 10.50% | +297 bps | |
| Net Interest Margin | 3.02% | 3.07% | 2.98% | 3.37% | 3.37% | 3.38% | 3.15% | 3.40% | +3 bps | |
| Efficiency Ratio | 111.95% | 105.58% | 79.31% | 84.38% | 88.32% | 89.45% | 101.06% | 66.25% | -1,812 bps | |
| Non-Interest Burden | 3.44% | 3.27% | 2.24% | 2.74% | 2.92% | 2.97% | 3.18% | 1.07% | -168 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% | 1.03% | -0.02% | 1.95% | -1.10% | 0.32% | 1.29% | 1.14% | -80 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 |