Princeton, IL · Cert 3731
FDIC
Q3 2012
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q4 2010 | Q1 2011 | Q2 2011 | Q3 2011 | Q4 2011 | Q1 2012 | Q2 2012 | Q3 2012 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -5.66% | 0.68% | -1.03% | -6.46% | -13.10% | 0.47% | -2.38% | -0.01% | +645 bps | |
| Return on Equity | -69.43% | 9.11% | -13.92% | -96.69% | -289% | 15.50% | -90.01% | -0.28% | +9,641 bps | |
| Net Interest Margin | 3.57% | 3.54% | 3.36% | 3.26% | 3.26% | 3.20% | 3.04% | 2.92% | -33 bps | |
| Efficiency Ratio | 72.29% | 76.70% | 87.19% | 93.20% | 106.75% | 92.14% | 108.40% | 139.40% | +4,619 bps | |
| Non-Interest Burden | 2.35% | 2.58% | 2.91% | 3.05% | 3.59% | 2.90% | 3.44% | 4.28% | +122 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 | 9.06% | 0.98% | 11.41% | 6.61% | 12.84% | 0.52% | 13.23% | 2.72% | -389 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 |