Shabbona, IL · Cert 9257
FDIC
Q1 2012
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2012, the quarter ended March 31, 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.
Shabbona, IL · Cert 9257
FDIC
Q1 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 | Q2 2010 | Q3 2010 | Q4 2010 | Q1 2011 | Q2 2011 | Q3 2011 | Q4 2011 | Q1 2012 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.05% | 1.33% | 1.22% | -9.72% | -5.31% | -5.01% | -7.28% | -7.20% | +252 bps | |
| Return on Equity | 9.50% | 12.19% | 11.37% | -113.27% | -68.36% | -68.52% | -110.09% | -324% | -21,054 bps | |
| Net Interest Margin | 3.99% | 4.12% | 3.84% | 3.34% | 2.78% | 2.46% | 2.94% | 2.12% | -122 bps | |
| Efficiency Ratio | 73.38% | 70.35% | 72.37% | 81.57% | 98.64% | 103.56% | 118.37% | 218% | +13,617 bps | |
| Non-Interest Burden | 2.88% | 2.84% | 2.73% | 2.69% | 2.74% | 2.56% | 3.51% | 4.82% | +213 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 34.65% | 34.08% | 24.78% | 18.35% | 28.61% | 5.70% | -16.12% | -20.48% | -3,883 bps | |
| Loan Growth (YoY) | 59.78% | 42.64% | 28.06% | 1.20% | -9.27% | -13.47% | -27.17% | -39.19% | -4,039 bps | |
| Deposit Growth (YoY) | 45.22% | 43.73% | 28.95% | 24.64% | 37.75% | 19.20% | -3.33% | -10.04% | -3,468 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 | 0.30% | 0.20% | 0.15% | 1.91% | 1.01% | 5.61% | 6.06% | 24.12% | +2,221 bps | |
| Allowance / Loans | 1.13% | 1.14% | 1.15% | 4.63% | 5.17% | 3.77% | 9.33% | 7.72% | +310 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 | 13.76% | 14.16% | 15.11% | 12.25% | 12.36% | 10.78% | 6.16% | 3.70% | -855 bps | |
| Equity / Assets | 10.86% | 10.55% | 9.95% | 7.26% | 6.32% | 5.88% | 3.09% | 1.34% | -592 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 95.86% | 87.47% | 82.52% | 74.75% | 63.14% | 63.50% | 62.17% | 50.53% | -2,422 bps | |
| Liquid Assets / Assets | 1.21% | 0.16% | 7.77% | 12.82% | 23.49% | 10.88% | 14.46% | 18.91% | +609 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |