Kankakee, IL · Charter 13486
Q3 2012
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2012, the quarter ended September 30, 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.
Kankakee, IL · Charter 13486
Q3 2012
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 2010 | Q1 2011 | Q2 2011 | Q3 2011 | Q4 2011 | Q1 2012 | Q2 2012 | Q3 2012 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -1.03% | 0.55% | -0.14% | -1.42% | -1.95% | 0.49% | -2.01% | -3.98% | -256 bps | |
| Return on Equity | -6.02% | 3.41% | -0.84% | -8.68% | -11.56% | 3.09% | -12.78% | -29.88% | -2,120 bps | |
| Net Interest Margin | 3.03% | 3.32% | 3.21% | 3.25% | 3.53% | 3.81% | 3.70% | 3.78% | +54 bps | |
| Efficiency Ratio | 130.29% | 102.47% | 111.08% | 135.87% | 137.46% | 91.61% | 114.86% | 150.41% | +1,455 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 0.58% | 7.39% | 4.16% | -4.00% | -9.74% | -8.00% | -9.37% | -4.44% | -44 bps | |
| Loan Growth (YoY) | -1.26% | -5.48% | -4.47% | -1.03% | -2.90% | -0.03% | -0.22% | -0.50% | +53 bps | |
| Share Growth (YoY) | 2.48% | 11.54% | 7.46% | -2.31% | -7.89% | -8.76% | -2.98% | -0.95% | +136 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.79% | 0.82% | 0.15% | 0.62% | 2.98% | 3.13% | 1.66% | 2.25% | +163 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 | 1.11% | 0.79% | 0.76% | 0.79% | 0.61% | 0.30% | 1.10% | 1.12% | +33 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 17.13% | 16.21% | 16.78% | 16.33% | 16.91% | 15.85% | 15.73% | 13.32% | -301 bps | |
| Net Worth / Assets | 17.13% | 16.21% | 16.78% | 16.33% | 16.91% | 15.85% | 15.73% | 13.32% | -301 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 58.87% | 54.60% | 57.92% | 60.03% | 62.05% | 59.83% | 59.57% | 60.30% | +27 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |