Jacksonville, IL · Charter 10064
Q2 2008
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2008, the quarter ended June 30, 2008, 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.
Jacksonville, IL · Charter 10064
Q2 2008
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Net Worth / Assets
Year to date, annualized, through each quarter.
| Metric | Q3 2006 | Q4 2006 | Q1 2007 | Q2 2007 | Q3 2007 | Q4 2007 | Q1 2008 | Q2 2008 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -2.10% | -1.73% | -0.29% | 0.07% | 0.26% | 0.45% | 8.84% | 1.14% | +107 bps | |
| Return on Equity | -12.47% | -9.14% | -1.69% | 0.40% | 1.34% | 1.95% | 35.90% | 5.10% | +470 bps | |
| Net Interest Margin | 4.68% | 5.13% | 3.79% | 4.02% | 4.36% | 5.15% | 4.30% | 3.11% | -91 bps | |
| Efficiency Ratio | 82.96% | 85.97% | 107.63% | 98.24% | 94.16% | 102.32% | 108.64% | 137.87% | +3,962 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -26.44% | -29.04% | -17.24% | -3.88% | -11.68% | -16.47% | -21.28% | -16.68% | -1,280 bps | |
| Loan Growth (YoY) | -8.39% | -1.87% | -10.24% | -6.48% | -10.58% | -15.02% | -20.81% | -33.16% | -2,668 bps | |
| Share Growth (YoY) | -29.37% | -32.65% | -18.68% | -5.06% | -14.30% | -28.18% | -28.35% | -21.15% | -1,610 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 6.97% | 6.13% | 6.68% | 6.23% | 10.39% | 6.97% | 0.43% | 0.00% | -623 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.60% | 1.43% | 1.83% | 1.97% | 2.32% | 1.81% | 1.87% | 0.69% | -128 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 16.81% | 18.97% | 17.23% | 17.80% | 19.26% | 23.17% | 24.63% | 22.31% | +451 bps | |
| Net Worth / Assets | 16.81% | 18.97% | 17.23% | 17.80% | 19.26% | 23.17% | 24.63% | 22.31% | +451 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 74.04% | 84.10% | 68.10% | 74.84% | 77.26% | 99.52% | 75.28% | 63.44% | -1,140 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |