Beecher, IL · Charter 14235
Q1 2007
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 2005 | Q3 2005 | Q4 2005 | Q1 2006 | Q2 2006 | Q3 2006 | Q4 2006 | Q1 2007 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.23% | 0.38% | 0.40% | 0.58% | 0.30% | 0.21% | 0.17% | -23.50% | -2,409 bps | |
| Return on Equity | 1.60% | 2.64% | 2.71% | 3.98% | 1.99% | 1.33% | 1.00% | -169.51% | -17,350 bps | |
| Net Interest Margin | 2.20% | 2.34% | 2.37% | 2.59% | 2.52% | 2.75% | 2.94% | 1.19% | -140 bps | |
| Efficiency Ratio | 83.30% | 79.92% | 80.26% | 72.01% | 78.95% | 76.35% | 77.08% | 975% | +90,326 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -1.82% | -0.57% | -0.91% | 0.45% | -4.47% | -8.13% | -12.61% | -25.96% | -2,641 bps | |
| Loan Growth (YoY) | 5.80% | -1.15% | -3.57% | -4.49% | -11.23% | -6.57% | -3.56% | -15.22% | -1,072 bps | |
| Share Growth (YoY) | -2.41% | -1.10% | -1.45% | 0.03% | -5.63% | -9.72% | -14.90% | -25.58% | -2,560 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 2.63% | 3.72% | 2.36% | 2.96% | 7.04% | 6.91% | 6.11% | 0.00% | -296 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 | 1.26% | 1.33% | 1.39% | 1.48% | 1.71% | 1.51% | 1.86% | 2.11% | +62 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 14.11% | 14.32% | 14.69% | 14.62% | 15.21% | 15.87% | 16.98% | 13.87% | -75 bps | |
| Net Worth / Assets | 14.11% | 14.32% | 14.69% | 14.62% | 15.21% | 15.87% | 16.98% | 13.87% | -75 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 52.92% | 50.63% | 49.55% | 48.92% | 49.78% | 52.40% | 56.15% | 55.73% | +681 bps | |
| Liquid Assets / Assets | 38.58% | 33.54% | 52.40% | 56.51% | 0.00% | 0.00% | 0.00% | 0.00% | -5,651 bps | |