Elizabeth, IL · Cert 9262
FDIC
Q2 2009
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2009, the quarter ended June 30, 2009, 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.
Elizabeth, IL · Cert 9262
FDIC
Q2 2009
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 | Q3 2007 | Q4 2007 | Q1 2008 | Q2 2008 | Q3 2008 | Q4 2008 | Q1 2009 | Q2 2009 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.33% | 0.42% | 0.81% | -0.17% | 0.15% | -1.60% | -23.46% | -12.40% | -1,223 bps | |
| Return on Equity | 17.33% | 5.70% | 14.47% | -3.03% | 2.68% | -28.26% | -551% | -363% | -35,963 bps | |
| Net Interest Margin | 3.08% | 3.27% | 3.02% | 3.15% | 3.35% | 3.24% | 3.17% | 3.60% | +45 bps | |
| Efficiency Ratio | 58.82% | 59.09% | 68.17% | 62.37% | 58.87% | 61.44% | 68.46% | 81.41% | +1,903 bps | |
| Non-Interest Burden | 1.70% | 1.81% | 1.98% | 1.84% | 1.83% | 1.87% | 2.07% | 2.84% | +100 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -1.97% | -8.42% | 0.96% | -4.49% | 1.81% | 1.61% | -13.90% | -16.50% | -1,201 bps | |
| Loan Growth (YoY) | 5.03% | 2.89% | 8.83% | 6.57% | 8.08% | 4.68% | -3.12% | -6.77% | -1,334 bps | |
| Deposit Growth (YoY) | 2.16% | -0.65% | 2.70% | -3.96% | -3.51% | -4.09% | -10.00% | -12.22% | -827 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 | 0.19% | 0.15% | 0.03% | 0.01% | 0.01% | 0.23% | 0.30% | 0.15% | +15 bps | |
| Allowance / Loans | 1.13% | 1.13% | 1.06% | 1.07% | 1.14% | 0.93% | 1.22% | 1.34% | +27 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 | 11.84% | 10.53% | 10.25% | 10.16% | 11.38% | 11.12% | 2.91% | 2.88% | -728 bps | |
| Equity / Assets | 8.13% | 5.91% | 5.26% | 5.24% | 5.86% | 6.02% | 2.37% | 1.57% | -367 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 76.94% | 79.37% | 82.79% | 83.97% | 86.18% | 86.63% | 89.12% | 89.19% | +521 bps | |
| Liquid Assets / Assets | 1.11% | 0.00% | 0.02% | 0.42% | 0.03% | 0.03% | 0.16% | 1.34% | +92 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |