White Hall, IL · Cert 3844
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 | 0.03% | 0.48% | 0.83%1 | 0.33% | 0.44% | 1.82% | 0.85% | 1.76% | +143 bps | |
| Return on Equity | 0.30% | 6.46% | 10.82% | 4.01% | 5.19% | 21.16% | 9.61% | 18.54% | +1,453 bps | |
| Net Interest Margin | 3.38% | 3.53% | 3.29% | 3.50% | 3.39% | 3.64% | 3.42% | 3.27% | -22 bps | |
| Efficiency Ratio | 82.68% | 70.82% | 78.38% | 76.02% | 72.97% | 54.74% | 64.92% | 66.46% | -956 bps | |
| Non-Interest Burden | 2.71% | 2.44% | 2.60% | 2.58% | 2.38% | 1.63% | 2.25% | 2.06% | -52 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 | 1.58% | -0.03% | -0.01% | 2.02% | 1.54% | 0.34% | 0.00% | 0.00% | -202 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 |