Princeton, IL · Cert 3731
FDIC
Q3 2012
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2012, the quarter ended September 30, 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.
Princeton, IL · Cert 3731
FDIC
Q3 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 | Q4 2010 | Q1 2011 | Q2 2011 | Q3 2011 | Q4 2011 | Q1 2012 | Q2 2012 | Q3 2012 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -1.39% | 0.68% | -0.17% | -2.25% | -4.91% | 0.47% | -0.94% | -0.64% | +161 bps | |
| Return on Equity | -16.87% | 9.11% | -2.36% | -31.93% | -78.29% | 15.50% | -34.16% | -24.89% | +704 bps | |
| Net Interest Margin | 3.56% | 3.54% | 3.46% | 3.42% | 3.41% | 3.20% | 3.19% | 3.17% | -24 bps | |
| Efficiency Ratio | 73.14% | 76.70% | 81.63% | 85.20% | 90.51% | 92.14% | 99.66% | 110.25% | +2,504 bps | |
| Non-Interest Burden | 2.46% | 2.58% | 2.76% | 2.87% | 3.08% | 2.90% | 3.24% | 3.65% | +78 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -13.15% | -10.09% | -5.57% | -3.90% | -7.38% | -5.40% | -10.69% | -13.61% | -971 bps | |
| Loan Growth (YoY) | -11.09% | -8.62% | -11.17% | -12.10% | -12.17% | -17.25% | -20.80% | -20.37% | -827 bps | |
| Deposit Growth (YoY) | -10.58% | -7.91% | -2.95% | -2.11% | -4.74% | -3.05% | -6.63% | -7.44% | -532 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 | 3.23% | 0.98% | 6.22% | 6.48% | 8.20% | 0.52% | 6.90% | 5.62% | -85 bps | |
| Allowance / Loans | 4.19% | 4.32% | 2.90% | 2.58% | 4.88% | 5.20% | 4.30% | 3.72% | +115 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 | 10.29% | 10.61% | 10.42% | 9.17% | 4.60% | 5.12% | 4.33% | 4.43% | -474 bps | |
| Equity / Assets | 7.32% | 7.51% | 7.35% | 6.01% | 2.98% | 3.05% | 2.22% | 2.00% | -401 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 73.68% | 72.73% | 70.28% | 68.21% | 67.94% | 62.07% | 59.62% | 58.68% | -953 bps | |
| Liquid Assets / Assets | 3.93% | 4.87% | 6.27% | 7.23% | 5.60% | 9.68% | 13.91% | 17.53% | +1,030 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |