White Hall, IL · Cert 3844
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.
White Hall, IL · Cert 3844
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 | 0.95% | 0.48% | 0.66% | 0.55% | 0.52% | 1.82% | 1.34% | 1.49% | +93 bps | |
| Return on Equity | 11.21% | 6.46% | 8.62% | 6.98% | 6.52% | 21.16% | 15.21% | 16.41% | +943 bps | |
| Net Interest Margin | 3.51% | 3.53% | 3.30% | 3.43% | 3.37% | 3.64% | 3.51% | 3.47% | +4 bps | |
| Efficiency Ratio | 65.80% | 70.82% | 74.41% | 74.98% | 74.45% | 54.74% | 59.15% | 61.45% | -1,353 bps | |
| Non-Interest Burden | 2.13% | 2.44% | 2.44% | 2.53% | 2.46% | 1.63% | 1.93% | 2.00% | -54 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 3.96% | 12.04% | 8.37% | 13.83% | 8.94% | 3.30% | 8.08% | 0.11% | -1,372 bps | |
| Loan Growth (YoY) | -7.83% | -0.04% | -4.08% | -1.37% | -3.91% | -2.95% | 0.62% | -3.26% | -189 bps | |
| Deposit Growth (YoY) | 3.89% | 14.80% | 11.58% | 17.99% | 11.13% | 2.87% | 8.68% | -1.50% | -1,949 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 | 1.19% | -0.03% | -0.02% | 0.66% | 0.89% | 0.34% | 0.17% | 0.12% | -54 bps | |
| Allowance / Loans | 1.73% | 2.00% | 2.28% | 2.00% | 1.90% | 1.90% | 2.03% | 2.17% | +17 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 | 10.42% | 10.17% | 13.19% | 12.95% | 13.35% | 13.40% | 13.26% | 13.97% | +101 bps | |
| Equity / Assets | 7.89% | 7.07% | 8.22% | 8.43% | 8.64% | 8.54% | 9.24% | 9.80% | +137 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 79.65% | 68.35% | 72.93% | 69.35% | 68.87% | 64.48% | 67.52% | 68.11% | -124 bps | |
| Liquid Assets / Assets | 1.05% | 8.40% | 5.85% | 4.75% | 0.49% | 5.22% | 0.72% | 2.65% | -210 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |