Kinderhook, IL · Cert 5765
FDIC
Q1 2013
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2013, the quarter ended March 31, 2013, 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.
Kinderhook, IL · Cert 5765
FDIC
Q1 2013
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 2011 | Q3 2011 | Q4 2011 | Q1 2012 | Q2 2012 | Q3 2012 | Q4 2012 | Q1 2013 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.46% | -0.24% | -0.30% | 0.05% | 0.17% | 0.13% | -0.13% | -0.67% | -73 bps | |
| Return on Equity | -5.07% | -2.62% | -3.31% | 0.57% | 1.83% | 1.41% | -1.41% | -8.43% | -900 bps | |
| Net Interest Margin | 3.11% | 3.15% | 3.20% | 3.02% | 3.02% | 2.93% | 2.96% | 2.88% | -14 bps | |
| Efficiency Ratio | 112.12% | 106.25% | 108.10% | 98.48% | 95.24% | 96.42% | 103.60% | 121.48% | +2,300 bps | |
| Non-Interest Burden | 3.59% | 3.40% | 3.51% | 2.97% | 2.85% | 2.81% | 3.09% | 3.59% | +62 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -1.63% | 3.21% | -4.67% | -3.44% | 4.72% | 2.64% | 17.89% | 10.35% | +1,380 bps | |
| Loan Growth (YoY) | -8.16% | -10.54% | 4.32% | -3.79% | -7.69% | -2.45% | -4.04% | 6.00% | +978 bps | |
| Deposit Growth (YoY) | -1.45% | 4.09% | -4.88% | -3.32% | 4.70% | 2.97% | 20.44% | 11.99% | +1,530 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 | 0.16% | 0.09% | 0.05% | 0.00% | 0.02% | 0.02% | 0.01% | 0.00% | 0 bps | |
| Allowance / Loans | 0.90% | 0.91% | 0.86% | 1.01% | 0.97% | 0.93% | 0.88% | 0.93% | -8 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 | 14.28% | 14.60% | 13.36% | 14.88% | 14.89% | 14.36% | 13.12% | 14.01% | -87 bps | |
| Equity / Assets | 9.12% | 9.42% | 9.22% | 9.48% | 8.80% | 9.25% | 7.76% | 8.24% | -125 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 63.38% | 64.93% | 69.28% | 60.08% | 55.88% | 61.51% | 55.20% | 56.87% | -321 bps | |
| Liquid Assets / Assets | 2.88% | 3.62% | 4.92% | 5.00% | 6.13% | 6.42% | 5.56% | 6.04% | +104 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |