Shipman, IL · Cert 5760
FDIC
Q2 2011
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2009 | Q4 2009 | Q1 2010 | Q2 2010 | Q3 2010 | Q4 2010 | Q1 2011 | Q2 2011 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.72% | 0.65% | 0.46% | 0.77% | -0.52% | -0.31% | 0.48% | 0.85% | +8 bps | |
| Return on Equity | 8.01% | 7.06% | 4.98% | 8.33% | -5.69% | -3.67% | 5.91% | 10.49% | +216 bps | |
| Net Interest Margin | 3.16% | 3.09% | 3.14% | 3.25% | 2.97% | 3.15% | 2.84% | 3.11% | -14 bps | |
| Efficiency Ratio | 75.74% | 70.52% | 81.78% | 72.96% | 81.99% | 67.84% | 70.21% | 67.24% | -572 bps | |
| Non-Interest Burden | 2.24% | 2.01% | 2.51% | 2.21% | 2.30% | 1.92% | 1.87% | 1.99% | -22 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 12.84% | 9.53% | 6.22% | 3.19% | 3.52% | 0.65% | 8.39% | 7.49% | +429 bps | |
| Loan Growth (YoY) | 11.56% | 7.98% | 9.12% | 1.98% | 5.73% | -0.44% | -6.11% | -8.57% | -1,055 bps | |
| Deposit Growth (YoY) | 18.34% | 12.78% | 5.48% | 1.67% | 4.50% | 0.17% | 10.57% | 9.39% | +772 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 | -0.04% | -0.18% | -0.08% | -0.01% | 0.23% | 7.26% | 0.00% | 0.13% | +15 bps | |
| Allowance / Loans | 0.98% | 1.00% | 1.01% | 0.96% | 1.69% | 0.99% | 1.21% | 1.21% | +25 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 | 11.04% | 10.90% | 10.96% | 11.00% | 10.43% | 10.16% | 10.57% | 11.24% | +25 bps | |
| Equity / Assets | 9.25% | 9.17% | 9.23% | 9.29% | 8.81% | 8.36% | 7.90% | 8.25% | -104 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 63.90% | 62.52% | 63.83% | 63.45% | 64.65% | 62.14% | 54.20% | 53.03% | -1,042 bps | |
| Liquid Assets / Assets | 0.21% | 0.31% | 0.31% | 0.26% | 0.22% | 0.17% | 0.31% | 0.49% | +23 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |