Granite City, IL · Charter 11720
Q3 2010
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 2008 | Q4 2008 | Q1 2009 | Q2 2009 | Q3 2009 | Q4 2009 | Q1 2010 | Q3 2010 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.09% | -0.42% | -4.77% | -0.67% | -0.90% | -0.78% | 0.24% | -0.60% | +6 bps | |
| Return on Equity | -1.08% | -4.85% | -72.47% | -9.35% | -11.90% | -11.03% | 3.21% | -8.75% | +60 bps | |
| Net Interest Margin | 4.46% | 4.34% | 4.04% | 3.93% | 4.03% | 3.97% | 4.61% | 4.55% | +62 bps | |
| Efficiency Ratio | 101.90% | 103.47% | 100.60% | 100.85% | 109.24% | 113.85% | 87.16% | 100.74% | -12 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -8.96% | -5.77% | -3.18% | 2.13% | 3.26% | 5.08% | 0.41% | -4.87% | -700 bps | |
| Loan Growth (YoY) | -14.26% | -13.46% | -6.51% | -6.50% | 3.13% | -0.47% | -0.05% | 7.25% | +1,375 bps | |
| Share Growth (YoY) | -7.10% | -6.27% | -2.02% | 3.02% | 4.07% | 6.45% | -0.30% | -7.57% | -1,059 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.25% | 0.25% | 0.25% | 0.00% | 0 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 | 1.08% | 0.92% | 0.71% | 0.75% | 0.76% | 0.26% | 0.16% | 0.24% | -51 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 8.46% | 8.56% | 6.59% | 7.12% | 7.60% | 7.10% | 7.32% | 6.89% | -23 bps | |
| Net Worth / Assets | 8.46% | 8.56% | 6.59% | 7.12% | 7.60% | 7.10% | 7.32% | 6.89% | -23 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 70.05% | 72.77% | 67.85% | 63.97% | 69.42% | 68.04% | 68.02% | 74.22% | +1,026 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |