Rockford, IL · Cert 3735
FDIC
Q1 2010
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 2008 | Q3 2008 | Q4 2008 | Q1 2009 | Q2 2009 | Q3 2009 | Q4 2009 | Q1 2010 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -1.64% | -1.57% | -1.78% | -2.21% | -1.49% | -5.14% | -4.57% | -2.98% | -77 bps | |
| Return on Equity | -23.51% | -22.83% | -26.37% | -37.76% | -25.76% | -99.88% | -96.52% | -118.36% | -8,059 bps | |
| Net Interest Margin | 2.91% | 2.82% | 2.69% | 1.82% | 1.68% | 1.78% | 1.93% | 1.73% | -10 bps | |
| Efficiency Ratio | 71.94% | 70.32% | 76.17% | 98.57% | 115.41% | 114.28% | 115.84% | 110.83% | +1,226 bps | |
| Non-Interest Burden | 2.02% | 1.79% | 1.82% | 1.78% | 2.12% | 2.20% | 2.45% | 2.10% | +32 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -2.45% | -4.22% | -2.28% | 2.90% | -5.03% | -12.84% | -25.16% | -41.98% | -4,488 bps | |
| Loan Growth (YoY) | -3.82% | -3.59% | -3.65% | -7.97% | -13.29% | -17.75% | -30.19% | -44.04% | -3,607 bps | |
| Deposit Growth (YoY) | -4.35% | -7.57% | -2.44% | 10.75% | 6.38% | 1.38% | -13.04% | -37.49% | -4,824 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 | 0.87% | 2.22% | 3.15% | 3.73% | 3.23% | 4.85% | 6.86% | 7.94% | +420 bps | |
| Allowance / Loans | 3.43% | 3.54% | 3.60% | 4.60% | 4.79% | 5.18% | 5.48% | 6.31% | +171 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 | 10.30% | 10.48% | 10.14% | 8.84% | 8.78% | 6.94% | 7.07% | 7.10% | -174 bps | |
| Equity / Assets | 6.54% | 6.54% | 6.18% | 5.55% | 5.66% | 2.91% | 2.58% | 2.44% | -311 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 97.56% | 99.10% | 96.41% | 82.03% | 79.51% | 80.40% | 77.39% | 73.43% | -860 bps | |
| Liquid Assets / Assets | 0.00% | 0.28% | 1.08% | 7.77% | 4.73% | 6.39% | 10.93% | 11.55% | +377 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |