Normal, IL · Cert 9268
FDIC
Q4 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 | Q1 2008 | Q2 2008 | Q3 2008 | Q4 2008 | Q1 2009 | Q2 2009 | Q3 2009 | Q4 2009 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.37% | 0.36% | -0.29% | -2.34% | 0.30% | 0.26%1 | -3.20% | -2.44% | -11 bps | |
| Return on Equity | 4.72% | 4.66% | -3.75% | -31.66% | 5.11% | 4.50% | -62.06% | -49.73% | -1,806 bps | |
| Net Interest Margin | 2.32% | 2.26% | 2.40% | 2.51% | 2.66% | 2.49% | 2.44% | 2.63% | +12 bps | |
| Efficiency Ratio | 79.77% | 79.92% | 78.82% | 77.27% | 73.17% | 83.15% | 88.80% | 91.30% | +1,403 bps | |
| Non-Interest Burden | 1.77% | 1.73% | 1.81% | 1.85% | 1.77% | 1.97% | 2.11% | 2.36% | +51 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 22.78% | 13.75% | -2.90% | 3.13% | -4.78% | 0.79% | 1.87% | -9.05% | -1,219 bps | |
| Loan Growth (YoY) | 18.35% | 7.18% | 5.37% | 0.17% | -2.48% | -6.02% | -10.72% | -11.82% | -1,199 bps | |
| Deposit Growth (YoY) | 32.40% | 26.12% | -0.85% | 5.55% | -3.67% | 4.54% | 12.60% | -3.33% | -888 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 | 0.09% | 0.04% | 0.04% | 2.46% | 0.27% | 0.37% | 4.15% | 3.14% | +68 bps | |
| Allowance / Loans | 0.54% | 0.54% | 0.54% | 3.22% | 3.38% | 3.40% | 6.33% | 6.75% | +353 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 | 9.93% | 10.12% | 10.30% | 7.38% | 7.61% | 7.86% | 2.57% | 3.05% | -433 bps | |
| Equity / Assets | 7.69% | 7.65% | 7.74% | 5.80% | 6.00% | 5.55% | 3.35% | 3.83% | -197 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 89.83% | 89.09% | 94.72% | 90.81% | 90.93% | 80.09% | 75.10% | 82.83% | -798 bps | |
| Liquid Assets / Assets | 0.22% | 0.22% | 0.21% | 0.21% | 0.26% | 8.87% | 13.67% | 5.02% | +481 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |