Freeport, IL · Charter 14108
Q1 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 | Q2 2008 | Q3 2008 | Q4 2008 | Q1 2009 | Q2 2009 | Q3 2009 | Q4 2009 | Q1 2010 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.10% | 0.50% | 0.32% | -1.44% | -0.58% | 0.18% | -0.12% | 1.53% | +297 bps | |
| Return on Equity | -0.59% | 2.70% | 1.49% | -7.49% | -2.86% | 0.80% | -0.57% | 7.77% | +1,527 bps | |
| Net Interest Margin | 4.67% | 5.07% | 5.68% | 4.34% | 4.54% | 4.87% | 4.68% | 4.50% | +16 bps | |
| Efficiency Ratio | 101.56% | 92.89% | 96.04% | 96.51% | 109.22% | 86.20% | 101.92% | 75.17% | -2,134 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -3.38% | -4.10% | -8.16% | -8.20% | -13.10% | -12.34% | 1.23% | 1.37% | +957 bps | |
| Loan Growth (YoY) | -9.10% | -7.70% | -9.50% | -9.00% | -16.13% | -4.93% | -6.60% | -4.80% | +421 bps | |
| Share Growth (YoY) | -4.66% | -5.11% | -10.34% | -10.21% | -16.09% | -16.15% | 1.82% | 2.07% | +1,228 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.10% | 0.79% | 0.80% | 0.82% | 0.00% | 0.00% | 0.59% | 2.57% | +176 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 | 3.16% | 3.41% | 3.48% | 3.50% | 3.01% | 2.88% | 2.97% | 2.97% | -53 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 17.40% | 18.64% | 21.17% | 19.25% | 20.34% | 21.98% | 20.80% | 19.62% | +37 bps | |
| Net Worth / Assets | 17.40% | 18.64% | 21.17% | 19.25% | 20.34% | 21.98% | 20.80% | 19.62% | +37 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 52.89% | 51.86% | 59.47% | 53.08% | 52.87% | 58.81% | 54.55% | 49.51% | -357 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |