Paris, IL · Cert 3721
FDIC
Q1 2012
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2012, the quarter ended March 31, 2012, 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.
Paris, IL · Cert 3721
FDIC
Q1 2012
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 | Q2 2010 | Q3 2010 | Q4 2010 | Q1 2011 | Q2 2011 | Q3 2011 | Q4 2011 | Q1 2012 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.29%1 | 0.33%1 | 0.25%1 | 0.15% | 0.28% | 0.33% | -1.56% | 0.29% | +14 bps | |
| Return on Equity | 3.17% | 3.43% | 2.60% | 1.52% | 2.74% | 3.28% | -15.84% | 3.35% | +183 bps | |
| Net Interest Margin | 2.81% | 3.40% | 2.89% | 2.30% | 2.42% | 2.44% | 2.48% | 2.34% | +5 bps | |
| Efficiency Ratio | 60.39% | 66.03% | 71.57% | 96.17% | 92.47% | 89.06% | 139.34% | 86.45% | -971 bps | |
| Non-Interest Burden | 1.04% | 1.74% | 1.67% | 2.19% | 2.20% | 2.12% | 3.44% | 1.98% | -21 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -19.90% | -16.87% | -14.60% | -12.27% | 12.05% | 5.65% | 1.32% | -0.63% | +1,163 bps | |
| Loan Growth (YoY) | -18.18% | -19.76% | -22.27% | -23.60% | -16.11% | -12.35% | -6.92% | -9.15% | +1,445 bps | |
| Deposit Growth (YoY) | -22.13% | -17.75% | -14.41% | -14.06% | 14.44% | 6.77% | 3.76% | 5.75% | +1,980 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 | 4.49% | 3.83% | 4.08% | -0.01% | 0.00% | -0.07% | 0.08% | 0.00% | 0 bps | |
| Allowance / Loans | 3.48% | 3.24% | 3.01% | 3.15% | 3.22% | 3.39% | 6.06% | 6.49% | +334 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 | 15.75% | 15.91% | 15.31% | 15.58% | 16.00% | 16.60% | 14.31% | 14.96% | -62 bps | |
| Equity / Assets | 11.20% | 10.67% | 10.23% | 9.76% | 10.18% | 10.34% | 8.82% | 8.72% | -105 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 88.16% | 76.77% | 72.32% | 66.01% | 64.63% | 63.02% | 64.88% | 56.71% | -930 bps | |
| Liquid Assets / Assets | 0.02% | 3.47% | 6.23% | 3.81% | 2.12% | 3.94% | 0.56% | 3.45% | -36 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |